Can I consolidate the debts

Welcome.

If you gave your phone number when you signed up, a credit counselor will be calling you soon. They'll go over your financial situation, and explore your options. You don't have to sign up with the company that contacts you, but if you choose to use any company's services, make sure you check them out thoroughly. This website, google, the BBB, your state's attorney general, etc...do your research-make sure you don't get ripped off.

You should be able to obtain a loan much easier than without security. Have you contacted a local bank or finance company to discuss your options? Also your mortgage company may have some catch up options for you, check it out with them too. Do you have equity in your home that they would lend you? You have alot of options to explore. I would start with the company that has the lein on your home and then the local banks and finance companies.