But you do want to watch out for the 1031 calendar when doing a consolidation exchange like this so all the transactions can happen in a single 180 day window.

And if there is more than one telephone in your family, maybe it's time to consolidate to sharing just one.I know these aren't fun choices, but if it's between TV/cell phone/Internet and being able to eat, I would choose the eating.As for your creditors, unless they're the type who will cause you physical harm if you don't pay, I would suggest not paying.

Did they file consolidated returns?

I read some other forms that said not to tell the lenders that the personal loan will be for home repairs, so I was planning taking the loan out on the premise that it was for debt consolidation.

Needs consolidated in some way to show the key points.

I could easily consolidate a loan or 2 or extend my mortgages for longer times and drop my payments pretty dramatically. 

Each department records sales nd activities and consolidates earnings and expenses to the general ledger, it's from there taxes are computed.

Gotcha - I've consolidated. :)

Take out the HELOC in 2007 with a 10 year interest only period, it's cut off from further draws in 2008, in 2017 it bumps up from the interest only payments to 20 year amortization, in 2019 those 20 year payments get tough and my phone rings for a debt consolidation refinance to drop someone's total payments $400/mo.

You are wanting to accomplish a consolidation and there's several ways you can go.  1.