Debt consolidators work through companies that, for a fee, take your unsecured loans and combine them so that you have one monthly payment rather than several. Debt Consolidators can combine credit card balances, school loans, medical bills, and tax bills; however, they cannot include secured loans, such as mortgages or car loans, in the consolidation. Debt consolidators may be able to negotiate with your creditors to reduce your interest rates and allow you to pay one payment per month that is smaller than the multiple payments you are currently unable to keep up with. But beware, there are many debt consolidators that promise debt reduction but charge high fees and provide little benefit. Be sure you're dealing with an accredited company and that you know their fee schedule up front. You may want to consult with an attorney to help you find the appropriate plan for you to manage out of control debt.