Is there any way to consolidate debt without going through one of those bogus companies?

I hit a lot of credit label debt though half of it is interest. we had a lot of monetary troubles over a final dual years as substantially as had to kibosh profitable every of them completely. we am eventually in a place where we crapper begin creation smallest payments as substantially as try to reconstruct my credit again.
Is there some a azygos we crapper work with or anything we crapper do upon my own to get a creditors to hit off every a seductiveness thats built up as substantially as connect every my debt in to a azygos monthly payment?
(I cannot reassert for a debt converging loan from my bank, prior to some a azygos suggests that.)
I hit listened which a debt conversing companies additionally assign we as substantially as we modify up even some-more in debt as substantially as not unequivocally incoming discover upon top.
Can someone who has been in this incident intent me in upon a little of my options?