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Hi - not sure if you're an English (as a first language) speaker or not??
I'm translating your question to:
"How deep in debt must I be before I can look into debt consolidation?"
The answer is that it depends on what kind of consolidation you are going to do? If you want to use a home loan (2nd mortgage, HELOC, whatever) - there really is no minimum amount. As long as your existing equity would pay off the debt - you could go that route.
If you want to do debt counseling, and have your interest rates potentially lowered - then they willl look at your total budget, make sure you have enough assets to at least make progress towards repayment and then put you in a program.
If you are trying to consolidate something like student loans - you can consolidate (once) whatever you have - but your new interest rate may be higher than the rate on the individual loans.
No matter what kind of debt you're trying to deal with it, getting control of it now (hopefully early) will be better than waiting until it is so large that you have no other options but bankruptcy.
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