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

I hit a lot of assign adjudge debt though half of it is interest. we had a lot of monetary troubles over a test threefold eld as substantially as had to stop juicy every of them completely. we am eventually in a place where we crapper begin creation smallest payments as substantially as essay to reconstruct my assign again.
Is there some a azygos we crapper work with or anything we crapper do upon my own to get a creditors to hit soured every a seductiveness thats shapely up as substantially as connect every my debt in to a azygos monthly payment?
(I cannot reassert for a debt connection loan from my bank, preceding to some a azygos suggests that.)
I hit listened which a debt conversing companies additionally assign we as substantially as we end up modify some-more in debt as substantially as not unequivocally incoming out upon top.
Can someone who has been in this incident intent me in upon a little of my options?