You know your credit is less than perfect and you fear that you may not be able to qualify for any program that could help you get all of this debt under control. The fact is that if you work with an experienced debt consolidation company you will be shown many ways that you can get your debt under control and you will be brought to debt consolidation loans for people with bad credit.
A reputable company will offer you an initial consultation at no cost, so the process of finding out what products and services are available to you comes at no cost or obligation to you. It may seem like a waste of time to talk to a debt consolidation professional about your situation, but you would be pleasantly surprised at how many people in a situation similar to yours have been helped by programs for people with bad credit. You may be put on a program that does not involve getting a loan at all, and then you can start to get your debt under control and your financial life back on track.
Never assume that your bad credit is going to keep you from acquiring the products and services you need for debt consolidation. The road to financial recovery is full of opportunity and an experienced professional can help you put together a plan that will get your personal debt under control and create cash flow that you can use to pay off any of your other debts. Then you can begin to use cash to buy your monthly essentials and stop running up credit card debt you can not afford.