Debt Problems - want to consolidate debts, while not having good credit?

want to consolidate debts, while not having good credit?

don't want to file bankruptcy, would like to find another way out while establishing credit. do not have any equity.

borrow from a friend or family member. pay everything off. negotiate pay off amounts, most companies would rather get 50 or 75 cents on the dollar than nothing. it is easy to negotiate. then your score will increase
Credit Score is not all they look at, must meet minimum debt service ratios, and they look your job. A small loan consolidation with low interest is the best I found interesting information about your answer & options here. http://all-debt-consolidation-loan.blogspot.com/2007/07/loan-consolidation.html