consolidate debt

[Bulldog]

If that were true, why would you come here to post this? It's not like you are a regular--these are your first posts. Go try again at www.quarterlifecrisis.com, they can surely give you some business.

[RunDownHouse]

So you suggest that someone who has already proved financially irresponsible take all of their unsecured debt and swap it out for secured debt, with their home as collateral?

Super idea.