CD,
This site helps to consolidate all your unsecured debts, including credit cards. Once you enter into the program, one counselor will be calling you for free consultation. You can ask all of your queries to the counselor to get professional help.
Consolidation program will reduce your monthly installments and bring it within your scope. All the financial charges will be eliminated and you will be paying one payment towards all your debts.
However, payday loan consolidation is yet not very popular yet. But some of the forum members have consolidated their payday loans. Once you are registered here, I'm sure you will get enough support by the members here. Looking forward to hearing from you.