General Debt Advice

I am in the process of trying to get myself out of this mess. My credit rating is good and I am making all of my payments but all of my money goes out the window to debts that I have accumulated. I would like to consolidate to lower my payments thereby seeing a light at the end of the tunnel. I DO NOT WANT TO FILE FOR BANKRUPTCY. I am a home owner with a small amount of equity in the home but not enough to cover my whole debt. I know nothing about loans and need some advice on which way to turn. After reading some of the posts on the forums this seems to be the right place to ask. Thanks