Do you need to consolidate your debt? There are programs available to help people with bad credit history consolidate their bills and debt.
Here's a list of reputable bad credit debt consolidat lenders.
Bad credit debt consolidation companies can help you by either providing you with a debt consolidation loan or by helping you reduce your debt with a debt elimination program or debt management program that can lower your monthly payments.
Find out about each company you consider how they operate and whether you are approved for a new consolidation loan or if they are negotiating lower payments through your existing creditors.
If you own a home, you may want to consider using the equity in your home to consolidate your debt. This can greatly reduce your monthly payments.