Hey guys, I’m drowning in debts (cards, bnpl, utilities due etc etc). Its nearly 15-20k approximately, I tried a lot to fix it but now it seems like I’ve hit the wall. Do you guys have any firsthand experience/knowledge of debt consolidation? How bad is it going to be in terms of my future credit (I have done my googling, want to know what happens for real), renting and anything else that can screw me up that I’m not aware of?