surveyor, when you roll credit card debt, auto loans, or medical bills into your mortgage, your are converting a short term debt into a 30 year loan, and paying 2-3 x interest on the debt because you are amortizing it over such a long time. Personally, I think that’s a bad idea.
Thank you Captain Obvious! 🙂 But in certain circumstances, it is probably necessary to at least use some debt management, as opposed to just going into bankruptcy…