I've received three offers in the mail over the last two weeks to do a debt consolidation. My choices are Clean Sweep through BoA, Chase, or some company I've never heard of.

It's easy enough to eliminate the company I've never heard of. I've gone through the other two and am having a little trouble making up my mind. On the one hand, I've done a Clean Sweep before with BoA and know how it works. On the other hand, the Chase offer is one percent cheaper on the interest rate. But it is also Chase and sometimes they are difficult to deal with.

The majority of my credit card debt is currently with BoA, mostly because they bought out MBNA some time back. BoA is not taking much risk transferring my debt from their cards to their loan. I also have a long history with BoA and even though some of their policies bug me, I more or less trust them.

Chase doesn't hold that much of my debt at the moment, I'm not sure that they would transfer the full amount offered like BoA would, and I don't want half the debt on a loan and half the debt on cards. I want it all in one place with one reasonable interest rate. Plus, some of their policies really bug me.

So I think I'm leaning more towards the BoA one. It's a known quantity.