Be VERY careful about debt consolidation. Lots of times they wrap up lower interest rate loans into the new loan, which is at a higher rate. If you can reduce the rates on very high interest rate loans (like those 30% credit cards or whatever), then yea go for it, but realize that there are a whole bunch of nasty tricks used by the outfits that do loan consolidation, and they are making money off of YOU, not doing it for charity.
Seriously, check out Dave Ramsey. He can tell you exactly why to not use debt consolidation, and his program is very good at letting you set priorities and manage money in every way. You may be surprised at how easy some of his suggestions can be to implement.
For example, if you have a car loan and are negative on your cash flow, dump the car and get a beater. If you refuse to this one step, then you don't *really* want to fix your problem. The same goes for an unaffordable house. If you are in a house you can't bear to sell or move out of, but you can't afford, then nothing can help you except a massive increase in income. Guess what - the people who refuse to intelligently deal with their unaffordable lifestyles are not usually the people who manage to increase their income by that much.