I want to consolidate all of my credit cards to one payment

Can you get a loan at your local bank for a consolidation, if you have steady income, there should be no problem. Get ahold of these before they get into a bad status and ruin your credit. If your credit is bad, you may have to get a co-signer, would someone do that for you? Goodluck, becareful, try not to do the internet thing with a loan, they are sometimes shady characters that may make you end up in worse condition. If you do decide to go with an internet lender, come here and ask about them before you sign anything. People here have alot of experience with alot different companies. I would try a local bank first.

Hi, welcome..

Consolidation may be an option for you. A counselor will be calling you, probably in a few days. Don't worry..You are under NO obligation. They will explain different debt consolidation and settlement options, and can reccomend reputable companies. Don't hesitate to ask any questions at all.

And avoid the loan offers that come in the mail. Often attached are absurd interest rates and hidden fees. Good luck.