i have about $6,000.00 in separate credit cards and was wondering if it would just be cheaper to get a consolidation loan and get rid of the cards so that i dont use them again! and also can i really get a consolidation loan if i have a lot of money due in back medical bills and got behind on some of my bills so my credit isnt all that great? thank you so much for your help

All of the debt management companies I have spoken with say that CashCall is considered a payday lender (even though I have a $5,000 personal loan) and cannot be included with credit cards.

Do they stpo the accounts? Put a halt on them, or do they keep them open? I dont mind putting a halt, but to close the accounts after all is paid on the consolidation loan, i would like to know i have an open line of credit with my card company. Any input will be gladly appreciated! Thanks!