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Google "disadvantages of debt consolidation"
Make sure you know what you are getting.
Most people regret it because it only repay the loans over.
This means that you can pay triple or quadruple the interest back.

Get a book on debt servicing your bookstore or library.
There are many tricks that can help you get your hands on your finances.
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To be honest, there are no good programs credit card debt consolidation in the market. Most of them are inadequate (at best) and unethical / illegal (at worst). The best idea would be to make a local Consumer Credit Counseling Service in your region (but there are better ways).

It is best to work with the credit card companies directly. But in many companies and cases, companies do not work a deal. Companies such as Citi are atrocious and undisciplined in their relationships with their customers.

I recommend eliminating the use of credit and the use and construction cash. If you're behind in your payments for credit to pay for utilities, food and shelter, so be it. Prioritize your cash flow (income) by making them pay for essential front line, as the gift, housing, food, utilities, etc., then you make a payment to creditors. Debt consolidation is not the answer because it does not treat symptoms. It would be like putting a bandage on a broken arm.

First, stop using credit. Second, use of cash (cash and allocate your result). Then, work on paying the debt. Do not worry FICO score or credit score.

Good luck. Learn more by reading books such as "Total Money Makeover" by Dave Ramsey, Rich Dad, Poor Dad "by Kiyosaki, etc.

DD