Debt consolidation can be an answer, but as everyone else has said, it will only work to clear your debt if you get rid of your credit cards.In my case I went to my bank and I was amazed that they agreed to give me a loan to repay my cards. I cut up all but one of my cards which I use only for essential expenditure.Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes.for debt consolidation, credit consolidation and credit card debt visit 3debtconsolidation.com