Debt consolidation is just taking out one loan that pays off your smaller debts. However, unless you have great credit and/or something to pledge as collateral (home equity, investments), it is next to impossible to qualify for such a loan.
Wayne is right = it usually involves taking out ONE large loan which will repay all your debt. This ISN"T always the cheapest or best option though.
If you are in the UK, I suggest you contact Citizens Advice, they offer a free debt counselling service.
Alternatively go and see you bank - make an appointment to see someone there and sit down and see what they can do to help
my credit isnt guud i need to consolidated to improved my credit
http://is.gd/loansmaster
put money back every month.dont buy unnecessary things,
