I'm a working professional. I'm 45 years old and own my home. My home needs a new roof and I need to have a more reliable family vehicle for my wife and kids. I'm considering debt consolidation and was wondering if anybody had any experience in this. I searched a lot and found this company offering debt consolidation services. What would be the best option to lock in a very low-interest rate on a loan? What about paying on one debt instead of multiple debt accounts? Would it be a smart thing to do? Please chime in your suggestions!!!