<prompt> Human: Hi guys! I have three credit cards that are maxed out due to a combination of circumstances im not really willing to get into at the moment. main thing is im paying about 300mo per card and its really screwing our month to month finances. I just want to put all that debt in one place and not have such a bad monthly payment. Im getting a bunch of spam mail so far about refinancing and such, but wanted to ask here instead what a good company would be to look into. I have already tried my bank but they wont approve me for the credit to put it on a loan or something, and I dont own a house or cars two cars currently being paid off as collateral.any suggestions are appreciated. thanks!  <response>: Nobody wants to lend money to someone who has maxed out all their credit cards. You can try to get a consolidation loan for 19 or whatever, but thats not going to help very much. Youd still be paying close to 1000month in any event. 