I have been looking into consolidating my outstanding debt. I have about 10 to 15 k dollars in debt and i am really tired of debt collectors calling for something i didnt know i had, or just didnt remember. I recently returned from iraq to find that most of the debt i payed off while i was deployed really didnt help me that much. Seems like it just put out the word to other debt collectors that i was settling my accounts. If you could give me some information on consolidation I would appreciate it.