Who has consplidated debt before?

Lets ume here because of the money you make that you guys own a home. If you use a debt consolidation company or take a loan out to pay off your debt, then your in the same boat you are now. However if you own a home, you can take a 2nd mortgage out and use this money to pay off your credit cards. Why do I suggest a 2nd mortgage? Because with home loans and 2nd mortgages you can now write off the interest on your taxes at the end of year which you can NOT do with traditional or personal loans.