Chowong, you haven’t mentioned what type of debts you owe. However, converting unsecured debts into secured might not be a good idea. You can settle your debts by your own or take help from some professionals.
Also, it is easier to work with consolidation/settlement companies in your locality so that you can have a face to face talk whenever confusions arise.
You can find a company from your state here:
http://www.debtconsolidationcare.com/ranking-chart/
Also check the reputation of the company with BBB, Consumer Protection Office of your State before you hand over your account to them. All the best