Debt Consolidation Options

Do you know of any reputable companies debt consolidation? I have 2 credit cards and 1 personal loan for about 20k, I would like to consolidate into one bill. All options and suggestions how to do this?

Run away and flee if they have the words or settlement negotiations.
They will charge you thousands of dollars and do little for you.
They will go to pay your bills and you can easily end up in court anyway.

Google the name of a company you intend to deal with the words
complaint, scam, scam.

You can also deal with this debt on your own.
Some good books from your local bookseller on the towers of how to regulate and reduce the rates with your creditors.
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http://best-online-loan.com/personal-loans-for-debt-consolidation
Visit this site. It is a good news site with some wonderful options for you.
I think you could find help there. http://best-online-loans.com

If there are private student debt consolidation to deal with the combination of credit card debts and personal loans combined. Your jacket bet is to search for the best price you can find. http://www.schoolloansconsolidation.info contains useful information on personal loans and debt consolidation credit card.
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There are hundreds of companies doing this. (See the yellow pages.) Just compare the costs, they charge you.