Hi everyone. I received a letter from Franklin Mortgage Solutions in the mail. I've gotten these before and just shred them and get rid of them. Well I read this one. It says they will consolidate my mortgage and credit card debt into 1 new loan for 3.5% So this sounds good. Does anyone have any experience with them? Or can think of a reason why I should not do this? I want to make sure I think of all the angles before I call and talk to 1 of their people. Thank you for any help you can give me.