I am a single mother with a house payment

Hi littlefine

Welcome to the forums. I will not suggest you to go for a consolidation loan because you might be required to pledge a property against it. If in case, you default in any of the payments, you might be at the risk of losing your property.

You can consolidate your debt in the debt consolidation program which will take care of your credit card. As you said that you are getting farther and farther in your payments, debt consolidation program will make your account current by contributing a fair amount every month to your debt. Moreover, debt consolidation program will reduce or eliminate the financial charges and/or the late fees accrued in your total debt so that you just have to pay the reduced amount.

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

This program will be quite easier for you for making payments to your debt and thus you will be able to improve your credit standing in a substantial period of time.

Additionally, the consultant will offer you budgeting and counseling program which help you to keep a check on your finance. Debt consolidation program will help you to eradicate your debt problems and you will be able to attain a debt free life faster.

Please let me know if I can further assist you with your debt related queries.

Regards
Roxette