Don’t overlook your bank. There may be the answer to your credit card debt problems. Many banks offer programs for people who want to eliminate their credit cards. As the home equity loan business flourishes, banks need to compete, so they have low interest and longer term loans that can help. Talk to your own bank first to see what your options are. In many cases, you can set up automatic payments from your bank account. If you don’t find a solution with your own bank, look around at some of the lending sites on the web. Chances are, you'll find a bank that can help you. Make sure they are a reputable lending institution and that the interest rate is lower than the ones you are currently paying.