There are a good number of people in this country who have a great deal of debt and yet blindly make their minimum payments each month. They don't even give paying off their debts completely or restructuring their debts a single thought. This type of thinking is dangerous to your longstanding financial future.

One way to fix this is by showing an interest in reducing your debt. I recommend putting together a plan of action that covers how you are going to do it in great detail.

I was once overloaded with debt, so I know how difficult it can be figuring out how to best tackle your problem. My recommendation is to first figure out which accounts you should pay off, in what order, and lastly how much you need to pay to eliminate the debt. Only after attacking each of these issues, you can put together a sound plan that works with your budget and debt load.

Now, you should create a list of all your outstanding credit debts. You want to be sure this list includes the amount you owe and the monthly repayments as well as the interest due. After this you should have a better picture of your finances before you start the restructuring process.

You should be finished up with your list from the previous step at this point. Try to get in touch with your mortgage lender next. Tell them you are looking renegotiate the terms of your home equity loan. Mind you it may not help to reduce debt, but it can and will make repayments much easier to manage and control.

I would try to ask a credit union for a loan. True the concept of asking a lender for more money seems odd considering you're already in debt but credit unions have a tendency to lend money at lower rates. You would be use the credit union loan as a means of debt consolidation.

Look into borrowing against an insurance policy. An accountant one time told me this is a smart way to get cash for debt consolidation since you won't have to repay it.
Shop around for a credit card company offering balance transfer deals. You can then use this as a form debt consolidation by transferring your credit card debt onto the new credit card.

Your final option is to take out a home equity loan. You can also borrow against it on favorable terms if you have equity in your home.