I just recently built a house for my family and have gotten in over my head in debt. I need help to consolidate my over $30,000.00 in credit card debt. I accrued most of the debt while building the house. The plan was to use the money I would make on the house and pay off all the debt but the housing market in California, especially where I live, took a dump. I could not get any money out of the house and now I am in deep. I can BARLY make the minimum balances and I am sometimes a few days late. So with fees, late charges and the balance that never goes down, I will never get out of debt and could possible lose my house in the long run. I am a good credit risk but can not find any companies that are willing to consolidate all of my loans into one payment at a decent interest rate. I have 4 kids a beautiful home but can't enjoy any of it with this new debt hanging over my head.