With a debt consolidation loan, a lender issues a single personal loan that you use to pay off other debts, such as balances on high-interest credit cards.
You should talk to a credit counseling organization, if your payments are current, but you feel you need help.
They want your business, and you'll be surprised how flexible and willing to negotiate they can be, once you explain to them that you have various options available to take your business someplace else.
There are many web sites offering solutions for debt consolidation.
When you have accumulated a significant amount of credit card debt and you are having a very difficult time paying back such a debt then you may want to consider a credit card debt consolidation loan that can pay off all of your credit card accounts in one fell swoop.
Consolidating credit card debt is really not that difficult, and it is simply a matter of determining whether your situation warrants the pursuit of such an option and then determining where you want to get your credit card debt consolidation loan from.