You should learn about your personal credit situation before you proceed on to any other moves to consolidate debts.  For instance, look into your reports that the credit companies have given you.  You might not be able to get an interest rate that will help you if you have had massive debt problems in the year before.

You would want to do a little research on certain websites and books about how you can reduce the interest rate on your credit card, mortgage or whatever you have borrowed and how to convince the major credit distributors to lessen the blow of their interest rate.  It usually takes a little sweet talking...

On that note, you will have to learn how to negotiate to help you consolidate debts.  Learning this skill will increase the chances that a company that has given you your credit will help you with your consolidation goals.  Make sure you plan for the attack or else the credit company will eat you alive.

Think further a little.  If you consolidate debts, will it even help you out?  Sometimes you are just so far in debt that your consolidation efforts will be useless. Therefore, you will need to be true to yourself about your current situation.

If you have figured out the little details about your current situation, you are ready to consolidate debts, you should look into the following.

Seek the support of financial professionals.  These professionals will help you with any question that you may have about your consolidation needs.

Find out a company that will be willing to help you out with consolidating your debts.  You can tackle it yourself, but the support of a consolidation company will be easier for you to gain your goal.

Ask a friend about what to do.  If you know anyone that has consolidated their debts, seek their advice.  However, make sure they have gotten out of debt before you follow their foot prints.

Research more about how to consolidate debts on the Internet.  You will be surprised at all the information that is available.  Just give it time and your will get your answers. Hopefully you will be out of debt in no time.