Consolidating your bills or include vehicles

A debt consolidation loan covers all the unsecured debts, like credit cards, medical bills etc. You still owe the money, but sometimes you can get a lower interest rate, especially if you offer collateral for the loan. Best of luck.

I don't want a loan. Just the consolidation that is mentioned on this website. A loan would just make a bad situation worse I think

Outside of a loan, the type of program you are likely talking about is called a debt management Plan or a dmp. These repayment plans are administered by Consumer credit counseling agencies.

With a debt management plan you will repay all of your accepted creditors over a newly negotiated contract and terms. The counseling agency will negotiate with all creditors to accept a lower interest rate " usually around 6-10 %", waive late fees and over limit fees and spread your payments out over 4 to 7 years. You will repay 100% of your current balance with a payment that typically runs about 3% to 4% of your total debt. This program won't hurt your credit score. It does show on your credit report that you are in a counseling program but drops off as it it never happened once you complete it. Hope this helps. :D