Debt Consolidation Help

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Hello, Im in much credit card debt, around $40,000, and was wondering if someone knows of a good reputable debt consolidation company that can help me, Thanks.

I am considering looking into debt consolidation. My student loans are being garnished by ed fund from my wages. they have also just taken my Ca state income tax check. If I do debt consolidation, will they be able to stop my wages from being garnished?

Sometimes the only option for my prospects is Bankruptcy or Debt Consolidation. Now as a Credit Consultant my job is to restore and maintain a squeaky clean credit report so it kills me to send them off to file BK or consolidate their debt however it’s their only option. I prefer a non-profit in the Central Valley, CA (because that’s where my office is located) who can offer these services and become part of my referral directory. If anyone out there can steer me in the right direction I’d really appreciate it. Thank you

pros and cons of debt consolidation. Is it better to lower my bills and interest rates or pay them off with a lump sum and just have one monthly bill?

What amount of debt qualifies for consolidation ? Also as stated, what if you have no home or assets?

I have been told by several people that I had to use settlement money I received to pay my debt consolidation off as soon as possible . Does anyone know if this is true?