I have only made on late pay,ment in my life and on the other hand am getting nickeled and dimes to death by my bank. I am trying to find some one to consolodate my bills for less that %15 and the rates are so high! I owe $2,400 to citibank, $400 to Walmart and $1,300 on a cash reserve to my bank and I have no idea where to get consolidated because I don't own anything worth putting up for colladeral. What is even funnier as I do not have any real bills other than my credit. Where do I go to get a decent rate that is unsecured? Oh god I hate sending money everywhere. What did I do wrong?