How can I get help with debt consolidation with bad credit and disability situation?

You can debt consolidation loan with bad credit. But how much do you owe in total? Do you have a collateral? You can get around $5k.

Getting debt consolidation loan with poor credit rating is challenging. The interest rate or fees will be high for you. Contact your creditors and negotiate the loan terms by telling your difficulties.

You can apply for a loan through a credit union. Credit unions tend to be supportive with people who are struggling with debt.

However, cut down unnecessary expenses as soon as possible to save some money from your monthly salary. You can talk to a credit counselor for the best suitable advice as well.

The best possible way out of the debt mess is to follow a budget, apply for disability benefits (if you do qualify) and stop using your credit cards at once. Ask for a hike or work part time, it'll supplement your income and enable you to pay off your debts.

Make sure you don't add any more debts at this moment.

If required, you can also take professional help to solve your debt problems. The best way is to opt for a credit counseling session.