Consolidating debt?

I am thinking about consolidating my credit cards along with my husbands credit cards and a loan that he has had since before we met.. the problem is, i am wondering if this is really right for me.. we have 4 credit cards total, most of which are maxed out, as well as a 5,000 dollar loan that has a high interest rate. Most months we are able to pay the minimum payment, but some we are not. So like I said, i want to see if this is right for me. Any help??