Drowning in credit card debt. Debt consolidation–do I take this life raft? Right now I am treading water with my credit card debt and living in fear that they’ll start garnishing my wages. I live in NJ where the maximum wages that can be garnished by creditors is 10%. My cards are all consistently above their balance and all teetering at risk of being closed. I make $3200-3400 per month. I own my home and my mortgage p…