Consolidate credit cards, personal loans and car loans?

I know you can consolidate credit cards and personal loans, I am not sure about the car loan. As far as your credit, whatever you include in the consolidation will be listed as such until its paid off. It will affect your score slightly but if you are already behind on your bills, your credit score is already being affected

Leah is right. Consolidation will help in catching up in your repayments. You will pay the debts according to the plan worked with the consultant and at lower interest rates. The program will be removed from your file after all debts are paid off. Your scores will start increasing after each account gets paid off. Start paying the small accounts first.