how good is your credit score? can you swing for a low intro rate (0% for 12 months) or a low permanent rate (perhaps 9% apr) or something? If so, why not try applying for a "consolidation" credit card, do a balance transfer for all your other cards and then cut up the physical new card and simply pay off the balance in your own chosen way (i.e. balance divided by 36 months..or whatever).
I have never personally dealt with a consolidation company but i would be very very cautious of them myself - i've heard and read some terrible rumors about some companies.
if you do choose to go with them make sure you know every detail of their plan - what are the transfer (or "initial") fees, what is the percentage rate..is it fixed? are you getting a one time loan from them or another revolving line of credit (they reflect differently on your credit report)... are there any annual fees or customer service fees? what's in it for them?
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