Best way to consolidate debt?

[Jace]

say you had 3-4 credit cards and wanted to consolidate all of it into one payment, how would YOU go about doing it?

[MRock]

Home equity loan :okthumb:

[Jace]

Home equity loan :okthumb:

don't own a home

[DragonKing]

Apply for a super low rate credit card and pay off all the other cards with it.
Theres a re certain cards that specialize in this

[mmemmer]

Hi Jace,

Both answers above are good. Assuming you have good credit and have been making your payments on time you might also contact the CC issuers and ask them to reduce your interest rate.

If you don't have a home but have a viable business, or even just good credit you can try your bank to see what loan alternatives they could make available to you.

Finally if your credit has already started to suffer then you might want to consider contacting one of the credit counciling services, better than bankruptcy but it affects your credit too.