There are loans that exist to help people out with consolidating their bills. Debt consolidation loans for people with bad credit are much more difficult to get approved for, let alone get a decent interest rate on it. If you own your own home, you can get a secured loan to cover your debts, but you are risking your home if you are not able to make the payments each month, and will only be approved if you do not already have lots of other secured loans out on it already. Your other option is to use a credit consolidation company that does not care what your credit score is. They will charge a fee for their service, which will usually balance out to what you would have paid had you gotten a good rate on a loan.
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