When thinking about consolidating your debts, you need to understand that only unsecured loans can be consolidated. Utility bills, hospital bills, cheap loans (billig lån), credit cards (kredittkort) bills, and consumer loans (forbrukslån) can all be wrapped up into one loan. Your mortgage on your home cannot be consolidated. If you still cannot make your budget with loan consolidation, consider refinancing your home as well. Now that you understand debt consolidation better, you can start to use it to help yourself. Once you do, those creditors will stop calling. You can have a cell phone, car or go to the movies again. You will have so much freedom once your loans are finally paid off!