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Welcome to the Community :D Here is a link that explains 12 ways to solve your debt problems, including consolidation at http://www.debtconsolidationcare.com/debt-solution.html In consolidation, you can put all your unsecured debt into one monthly payment, with lower interest. There is also a Do it Yourself section. After you look through these, you can discuss these options during your free credit consultation, and decide which, if any may suit your needs. Feel free to ask questons. Debt can be overwhelming, but there are solutions, and we are here to help guide and support you in becoming debt free..Karen