Loan consolidation may be advisable as a once-off exercise to lower the interest rates that you are paying on your debts. Mortgage rates are typically less than 4% at present, whereas personal loan rates are around 9% and credit card rates are aroun 18%.
However, it is really only putting off the inevitable - you will have to repay the money eventually, and by consolidation, you will be repaying over a longer period (resulting in more interest for the bank). In the worst case scenario, you could consolidate your loans, but find in a few years time that you have run up another pile of short-term/high-interest debts again.
As a first step, you need to adjust your monthly outgoings to match your income. Cut up the credit cards if necessary.
€65k is a pretty huge amount of short-term debt to be carrying.