Financial discipline would be essential to solve the problems of a person trapped in debts. You can ask a credit card relief company to consolidate credit cards. Even after consolidation and paying off all the dues of a credit card company many people again buy too much from their credit cards and get into problems again. A wise solution would be to consolidate credit by getting a secured loan. This will reduce the debt burden significantly. This new loan would come at a very low interest naturally as the house has been given as a collateral security. The monthly installments would be much lower now.