Debt Loans

Here’s my situation. I have about $10,000 in credit card debt, $80,000 mortgage on house, $17,000 auto loan. Not too bad except all my credit cards are at the default rate due to late payment or “early” payment. I’m wondering if I should get a consolidation loan for just my credit card debt. Where should I look for this type of loan and would it be wise to get a loan for this? Would I be better off getting a debt loan for all my debts including house and cars? I’m just looking to get these paid off asap cuz the rates are a killer. Any help would be greatly appreciated.
Also will these debt loans hurt my credit? I have a 650 score now.
My house is appraised at $89,000. Only been paying on it a year now. About 2% equity if that.

Monica - cheap personal loan

UPDATED : Debt consolidation, get free of debt

I want to start looking into the option of getting professional assistance to get out of debt. I’m not going to mention any numbers, but the debt my wife and I have accrued over the years is … well, staggering.

This is a question re Canadian mortgages.

Annamae - student loan consolidations

UPDATED : Mortgage Refinance and Debt Consolidation Presentation