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Look into getting a debt consolodation loan. Talk to a banker at your bank or go to like E-loans.

You can start by making a list. Write down each form of debt you have, to include account numbers, amount owed, interest rates, and a good contact number for the company that owns that particular debt. Don't bother adding up the total cause it will just make you more upset. Now, put each one in order starting with the highest interest rate. (leave mortgage payments out of this one) Once you have compiled your list, then start devoting the mass of your payments on that particular bill, everything else just pay above minimum payment. Once this high rate bill is paid, then move on to the next one. Believe it or not, it never takes that long to satisfy old debt and you'll be saving quite a few bucks doing things this way. The reason you want to keep your mortgage out of the equation is because you have to pay that or the bank may take your house. Most home loans would literally take years to pay off, and you'll want to see results, so just pay as agreed. Good luck to you. And budget your money.

DON'T use one of those services. Creditors look at it like Bankrupcy. My wife did it and Trashed our credit. Best way is to refinance your house. If not you have to get some kind of loan but you need to have some kind of colateroll.

Debt consolidation is an option, and you should look into it. Just be careful about WHAT you're getting into. Some plans, because of their higher APR rates get you into more trouble than you were.

Also, some lenders look poorly upon it later on. Some institutions believe that it really is a black mark. It will depend upon the types of deals that your particular company or lender work out, and of course, your own individual circumstance. For some with absolutely NO way out, debt consolidation is a welcome option.

Take a good hard look at all the options and plans offered, and don't let a single company pressure you into something you just can't do. Make sure that you're comfortable with the plan offered before you commit to it.

In any case, it doesn't hurt to investigate debt consolidation as an option. It doesn't cost you anything to find out more information about it.

If you want a place to start your investigating, there's information and listings for debt consolidation providers on the page listed below. You'll probably find something of use there:

http://axalda.info/debt-consolidation.html