Anyone have any horror stories with a consolidation company debt?

I’m a simple guy with a house, trying to lighten the burden on my wallet. I was hoping to combine a small loan, a bill of credit card and my old mortgage into a “lower monthly payment” like all the ads claim, but I want to know if there is a drawback. Also, I am sure that financial difficulties because they are kept as all the answers in an easily understandable words. Thank you!

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