credit cards

I would like to get a debt consolidation loan with bad credit for my outstanding debt from closed credit cards, old utility bills, etc

I have student loans, but I would like to consolidate them separatley and not through another loan.

Also, I have an auto loan, would the loan be able to cover that as well?

Please, real answers, and no opinions/judgements.

Thank You.

We have several credit cards with high debt and high interest rates. We are paying for one student in college, a mortgage (which with our income is really a low monthly payment). We find ourselves drowning and unable to meet monthly debts. Our income is around 0K/yr but still find ourselves in over our heads. Also paying an ex a monthly amount as property settlement. What is our best option?

I fell behind on my credit cards when I had an emergency medical expense. Even though I have a steady job and income, they’ve raised the payments and dropped the limits so there’s no chance I’ll catch up. I want to do debt consolidation but most companies Google brings me are a scam. I know it ruins your credit, but 8 90+ past due accounts does that too. I’ve been unable to work out plans with them or find a second job. What is a reputable company?

I would like to get a debt consolidation loan for my outstanding debt from closed credit cards, old utility bills, etc

I have student loans, but I would like to consolidate them separatley and not through another loan.

Also, I have an auto loan, would the loan be able to cover that as well?

Please, real answers, and no opinions/judgements.

Thank You.

I have two credit cards that I have used over 5 years ago and never paid back. The total of the two cards FIVE YEARS AGO was 00. Of course, by now, it should be close to 00 because of all the interests.

What does debt consolidation do? More importantly, can it REALLY remove or reduce the interest that built up over the last 5 years?

When doing a search for debt consolidation services, I get THOUSANDS of results. Which debt consolidation services are better?

Detailed answers would be appreciated.
Update: Am I correct to assume that if I leave the debt as it is, I can have it completely wiped off my credit card two years from now as if it never happened?