Debt consolidation is commonly known as bill consolidation, as people use the service to bring together many bills resulting from high-interest debts (like credit cards) into one loan at a better interest rate.
Following the debts being consolidated, the entire group of bills will be replaced with the one monthly payment to the new lender. The payment is usually lower than the previous monthly payments combined (due to the lower interest rate), though you have the option to pay the same amount or even more each month, but pay off a larger chunk of the principle on the debt with every payment.
If you're consolidating yourself by obtaining a loan using your home or something else as collateral, you can decide to consolidate any bills you'd like provided you have enough to cover them with your new loan.
Some examples of high-interest bills that you might want to consolidate can include:
If you're getting involved with a debt management organization, they may have certain debts that are permitted in their specific program and others not, but that will vary from company to company.