Thanx a lot for your reply. I am aware of that problem. My cousin used to take debit consolidation services
https://debtquest.com/services/debt-consolidation/ and it worked pretty well for him. I know that by lowering my interest rate with a credit card debt consolidation loan, the total amount of debt I owe decreases, allowing me to get out of debt more quickly. So, yeah, it is pretty cool system.