Debt Consolidation for few credit card bills, (payments, charge, dollars)

[Bowling Nut]

Would anyone know or have suggestions/information on going about using a Debt Consolidation loan to combine five credit card bills into one large monthly payments?. Most of my card the interest is around 20 to 25% and I'm wondering if i combine them if it would help a little?

I do not use them no more which is good for me, bad thing is im stuck in a hole and im not getting no where All my bills combine up to just under 12,000 Most of that was medical,and travel,and pleasure items. What i mean by stuck in a hole is making payments,about 10 dollars above the min and getting no where.

Any help would be nice.Thanks, This is one of my biggest reason why im unable to relocate,but i have also thought about just adding to the mortgage on our new home,but that be far down the road,right now just looking for suggestions/help for short term.

Thanks

[Gandalara]

You might want to read these articles:

Fiscal Fitness: Choosing a Credit Counselor

For People on Debt Management Plans: A Must-Do List

The FTC is a good resource for research!

You said, "All my bills combine up to just under 12,000 Most of that was medical,and travel,and pleasure items."

I truly hope you have stopped the travel and pleasure charge items!

[Bowling Nut]

Thanks for the links, i look at them and go from there,

Yes I have not used them in over six months,and unless something major happens i will not be using them,as they are cut up and not usable