What a coincidence - one of my online friends in my Yahoo group just asked if anyone had an experience with debt consolidation - and I do! We did it several years ago and were able to save a lot of money on our credit card bills - several of the credit card companies lowered our interest rate to less than 5% and we just made one payment instead of multiple payments.  This website has more info on debt consolidation and other credit challenges:  http://www.personal-loans-lender.com