Are you stuck with all kinds of debts and you need to figure out how to get out of them? Are you stuck with bad credit as well and need some help in that department also? There are answers, especially if you own your own home. One of those options is bad credit debt consolidation home equity loans that you can take out from your bank or from many other lenders.First, if you own your home and have a FICO or credit score of at least 500, then you can refinance and use some of your equity to help pay off your debts. There are lenders that will work with you and will help you to get the home equity loan you need in order to get out of some of the debts that you have accumulated over the years.Second, you can use a second mortgage if the first mortgage refinance is not enough for you. This will allow you to use more of your equity to pay off your debts. Debt consolidation is a very serious subject matter and you have to treat it as such. You need to use everything you can in order to get out of debt, but also make sure you can handle your new mortgage payments or you will be even more upside down.Last, there is also a line of credit that can be used as bad credit debt consolidation home equity loans. This is an option that usually requires either more equity or better credit, but it can help. These usually come from banks and are a bit harder to get, but they can be gotten and can help you with your debts.