Consolidation of debt means combining all your debts into on single loan at a lower interest rate; it can be done in a matter of days.
Credit Cooperatives are the best sources of debt consolidation with low interest rates. If you don’t belong to a credit cooperative, there are other options available, including banks. You can research debt consolidation on your own city, or trough a credit consultant.
Be careful with unscrupulous lending entities, who offer quick approvals and easy terms. Remember that when something is too good to be true, it probably is.