I'm trying to consolidate my debt and I'm wondering what is the best way to do it...
I heard debt settlement is bad... and can get you into legal trouble... I've heard about debt auditing companies done by a legal team who basically does the same as a debt settlement company, legally, without an extra average 15% fee... and there's the call your creditor to lower your rates... or take out a personal loan from a bank at a lower rate... I personally am leaning towards the legal team because they "say" that everything is legal but it sounds spooky... what does anyone out there think?

There is nothing spooky or underhanded doing a debt settlement. Basically your creditors are asked to take so much on the dollar, you take out a loan to accommodate them. The only problem may be the ones that don't want to accept an offer. They are the ones that may come after you for a court settlement.

I would go with the debt consolidation, i.e. line of credit at a good rate (here in Ontario I know for sure I could get one for l0% interest) which isn't bad considering what you pay your credit card company on purchases and fee transfers.