Sallie Mae consolidates.

go to your local bank and get a personal line of credit…much like a home equity line…but you need no home or assets in your name.

You be better off filling for bankruptcy. They might settle with all your debts but your credit card companies dont have obligation to talk to these people. Also if they will settle your account.. IRS will charge you with those accounts they settled as your INCOME..When you enrolled to this.. it will destroy your credit also because you are not making payments. Lastly, bankruptcy will only cost you at least $2,000 dollars for lawyers fee this program.. they will charge you.. at least 5g

I used direct loan consolidation. It took about 2 months.

http://www.loanconsolidation.ed.gov/

Instead of doing a consolidation loan, which ultimately looks bad on your credit report (and probably has a higher interest rate than your other loans), why don't you pay off your debt as it is? You didn't mention how much your current monthly payments are nor the individual balances, but here's a situational approach:
You have Car 1, you owe $12,000 at $250 per month @ 7% interest
You have Car 2, you owe $8,000 at $150 per month @ 7% interest
You have Credit Card 1, you owe $5,000 at $100 per month @ 15% interest
Your total payments on these would be $500 per month. You said you can afford $1200 per month, so why don't you start with the lowest balance- $5000 credit card. Pay the minimums to your cars ($400), and then put $800 toward your credit card each month. You'll pay off your credit card in about 5-6 months, then you'll have "consolidated" your debts to two places. Now, focus on the second highest debt, Car 2- $8000. Over these 6 months it will have likely lowered to about $7000. Put the $800 you were putting toward the credit card to Car 2, You're now making $950 payments to Car 2. You'll have it paid off in 7 months. Now repeat for Car 1, at $1200 per month, and have it paid off in less than a year. You'll have eliminated $25,000 in debt in about 2 years and you'll own both of your cars free and clear.

To put the consolidation loan into perspective, I'm sure there are some sleazy businessmen that will give you one, but the best rate you'll probably get is 11-12% with perfect credit. Also, if my example is close to your real life scenario, opening up a loan with a $1200 minimum payment compared to $500 in minimum payments will skyrocket your debt to income, making it harder to get another loan/mortgage if you need it, and will cause a lot of undue stress. Your job could be here today and gone tomorrow, if you lose it and you have to work for McDonalds, you want to make sure you aren't going to lose all your stuff- keep your payments as low as possible and discipline yourself to make extra principal payments.

Call it what you will, the Idea is to find a loan at less interests than you pay now, and fixed interests.
Credit cards can have high interests so it shouldn't be difficult to beat them, other debts might be more difficult to deal with as they might already have a low interest rate.
See http://www.esuperfind.com/lowermybills.phpp?id=hra0tt16koo9 the affiliated site is an Experian company BBB approved so very safe.
They might or they might not have you on. It depends on many factors and how much the debt is.

this lady doesnt have a clue, shes probably screwed up more peoples lives from this video than helped.

First of all: You CANNOT settle on a debt and ask your creditor to report it as PAID IN FULL! It will never happen!! I guarantee it! That is essentially lying!!!!! They will NOT DO IT! It will always be reported as settled for less than the full balance. But its ok!! Its better than a charged off account!!! 2nd: Make sure you seek out a non profit debt management agency through CCCS. They do exist! Do your research!!!!

It’s so good to be aware…. Thank you!