Debt consolidation questions…?

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      Well in a nut shell i have 18k in credit card debt, i was having no issues paying for them but now my employer is under new management and overtime is no longer available as much as it was. I was working 128 hours every 2 weeks. Now im not able to make the 730 dollars worth of CC paymnets. I was considering debt consolidation. Does any body who may have used this option and may have any reccomendations and any info on how they work as far as how long the term of the loan can be and any reputable companies? Any honest help would be appreciated.

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