PostHeaderIcon If all else fails, what companies/institutions do debt consolidation?

Also what type of interest rates, and terms (years) are usually offered, etc? Do legit debt consolidation companies actually exist out there, or is that all hype?

I’ve never had this problem before so I wouldn’t know.
I don’t have enough debt to consider it REALLY that high, but it’s enough on my credit cards that they’re interfering with things. I’m trying to apply for loans right now to consolidate it, but that may fail because my debt to income ratio is considered too high, It’s around 54%. So in that case, if all else fails, I may just want to consolidate the debt.

However, I’m not even remotely sure which company/institution would do that. What’s reputable or what not.

Any advice?

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