payoff present debt by consolidating then apply 4 home loan

Don't take a loan if you want to use it for paying off your debts. This way, you will be paying the interest twice. One is for the amount of the loan taken and the other is for the interests on the previous debts. Also, loans require some security to be pledged from your side. If you default in your payments, your risk of losing the property becomes higher.

When all the debt is paid off, your credit file will improve and you can get deals in home loans. The best way to pay off your debt will be using a consolidation program. In this program, all your accounts will be combined into one loan amount and you will be offered lower interest rates. You don't have to put anything upfront for using this program.

Besides, the counselor will also negotiate with the creditors to reduce the late payment fees and other financial charges. Take a free counseling in this website and discuss the program in details. You will get better options in paying off the past dues.

i have a car loan that is about 9878.34/iwas trying to see how would i start yur program

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Take the counseling that the consultant has to offer you. I don't think secured debts can be put in the program. But I will suggest you to discuss this matter with the consultant individually. Hopefully, he will suggest you better ways to deal with your situation.