It seems that no matter what I try to do,  I am always trying to do something to relieve the pressure that my finances have gotten me into.  It has gotten to the point when it seemed like I was getting more calls from the creditors than I did from my friends.  I had seen some adds on the internet pop ups about debt consolidation loans and wanted to find out if there was any future for me with one of them.  What I found out is that when you have bad credit that the debt consolidation loan rate is going to be high. There  were no bargains for me.