Help me. I owe 35,000.00 on credit cards

You don't need to have a home working in the consolidation program. The advantage to you in this program will be that the interest rates will be lowered down from what you are paying presently to your creditors. If there are any late payment fees, the counselor will negotiate with the lenders. After the deal is finalized, you will be offered some payment plans as per your financial situation. Pick the plan that works the best for you and after you make the payments regularly, the debts will get paid off. Talk to a counselor. He will give you a detailed explanation about this program before getting started. See the benefits of this program at the link below.

http://www.debtconsolidationcare.com/benefits.html