What can you do when you are deep in debt and your credit score is lousy? Many of us actually have hit this point at one time or another in our lives and it tends to overwhelm every aspect of our life.The good news is that you can get help, even if your credit is poor. Of course, the better your credit score, the easier it will be to get a debt consolidation loan. And if course if you own your own home, you can apply for a debt consolidation loan for homeowner.But what if your credit is bad and you don’t own a home? Believe it or not, you can still find help! Debt consolidation companies are available to help you get out from under all that debt. You’ll need to speak with a credit counselor to find out what your options are. And you need to do some research on debt consolidation companies before making your choice of a counselor. Ask questions and ask for references. You want to make sure you’re dealing with a legitimate company that has your best interest at heart.Generally debt consolidation companies will negotiate your debt and handle the creditor calls for you. Many of them do this for a small monthly fee although others will charge you a portion of the debt that they save. The good news for you is this: 1) you won’t be getting all the threatening calls any longer since your debt counselor will be talking to your creditors and 2) You’ll be able to make one monthly payment that will be designed to fit within your budget.So, even with bad credit you’ll still have a chance to rebuild your life. And as you make your payments to the debt management agency, you’ll be on the road to rebuilding your credit score…and your life.And although a debt consolidation loan for bad credit isn’t always available, a debt consolidation payment plan can be easily achievable, and it definitely is the answer for many.