Be diligent when you're in the market for a decent debt consolidation company to help solve your financial woes.
Make sure they're on the up and up. Make sure you are dealing with trustees, or financiers, that have a long and solid track record, before you sign ANY of their contracts.
If you need to consolidate credit card debts, or any other kind of debt for that matter, it can be a real puzzle trying to sift through all the manure online. You may be able to qualify for an unsecured loan, which can consolidate your debt with one monthly payment, and never have to use any hard collateral.
If you're self-employed you will most likely have to use your home for collateral, since the banks prefer people who have steady, well paying jobs over entrepreneurs.
There are other companies that will help you manage your debt without having to use another loan. These companies usually charge you a fee and then help negotiate lower interest rates with your creditors and manage your monthly payments. There are various ways to do this and every company is different. Usually these techniques will save you money to start paying down the principle on your credit balances.
A few of these outfits are "sometimes" worth the monthly fee, and you'll end up saving way more than they charge you overall. However, some of these trustees are a little slimy, and they're out to make money by holding their client's cash for collecting interest as long as they can before they make the payment on your behalf. Very slimy indeed.