I'd leave your mortgage as is unless you just happen to have a horrid interest rate and could get one much better with a refi. If you are talking more abotu credit card debt there are lots of things you can do aside from consolidation loans. Usually those loans aren't the best deal as the compaines giving them know the person is desperate to get costs down and they end up screwing you. A lot of the time they don't even make thing cheaper for you anyway.
A better thing to do would be to call any of the card holders you have and do what you can to get your interest rates down. Don't lower you avaliable balance to keep yourself from charging more (something many people do) because having your cards over a certain percentage full actually hurts your credit (even if you are making the payments just fine). Find out exactly what cards charge how much for what. Moving debt around on your cards may seem like a good idea and often is... just make sure of what your "balance transfer rates" are. While a card might advertise to you that it is for example, an 8% interest card it may have a higher, say 15% interest for amount charged as balance transfers (moving debt from one card to another). Also check on interductory rates as well. If you have any that are about to end (typically one year after the card was opened) see what your new rate will be and decide if you need to move the balance or pay it off before the introductory rate ends. Credit cards are not as straight forward as they seem. Another thing to do would be to find your card with the best possible deal, call to see if they can sweeten the deal (increase avaliable credit, lower interest, etc) and transfer ANY aharged amount you have on store cards (Sears, Macy's, Jewelry store, etc). The only decent store card I've seen (good interest and deals) is Best Buy (also the only store specific card I've ever applied for... great for building credit: charge any item you know you can pay for in X amount of time while the charge is still in it's introductory, no interest, no payment zone and just make sure you pay for it before that introductory zone ends and *bam*, quick credit).
If your credit is still good you should be able to work the banks and credit unions a bit to get the best deals. You can continue to utalize introductory rate cards AS LONG AS YOU KNOW you will have the ability to move or pay off the balance before the introductory rate ends. Just make very sure you know you can ditch the card before the good rates end. Ultimatly it would be good to pay things off or at least get down to a card with under 6% interest. Keep your oldest card/cards open even if they are long since paid off and you will never use them again. Keeping them open (even when unused) actually helps to increase your credit rating as well. Pay off high rate cards and cards that have introductory rates ending soon first rather than paying all cards evenly.
Check the rates on any car loans you may have as well. Never do in house financing at a dealership. Credit Unions are usually better for good rates and approvals than banks in most cases as well.
