LendingClub
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LendingClub is a marketplace where investors fund personal loans. You apply for a consolidation loan, get a fixed rate and term, and if approved, they deposit the funds directly into your account or to your creditors. Loans range from $1,000 to $60,000 with repayment periods of 3 or 5 years at fixed rates, so your payment never changes mid-payoff.
This works for people who want predictable monthly payments and the peace of mind of a fixed rate, even if their credit isn't pristine. It's not a payoff planner itself, but consolidation is often the first step to actually managing debt you've named and claimed.