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Credit cards

A debt consolifdation loan from a reputable agency can help but not if you don't get your spending under constrol.  Credit counseling organizations are often nonprofits that offer people advice and help them create plans for paying off their debts and gaining control of their financial situation.  Look for a National Foundation for Credit Counseling (NFCC) accredited organization if you’re considering this route.   Some companies will want to charge you a up-front fee.  Do shop around for the best deal you an get.

Consolidation isn’t a cure-all. Before consolidating, you may want to figure out why you wound up with the debt. Then you can work on solving the cause of the problem.

 

If your credit is OK you might cnosider using a HELOC loan on your house to pay off credit card debt, then close the credi accounts you don't really need.  Free balance transfers between credit cards may also be an option, but only if tyou pay more than the minimum payment each month to reduce your debt.