Have you got a terrible credit rating?  If so, then you should consider other options.

If you can’t get a loan because of bad credit the you may want to consider an unsecured loan for debt consolidation.  This can help you borrow the money you need as well as put all your bills in one place.

Try to look around to find the best deal for you and you will be certain to find one that you will like and work for you.  It’s so much easier just to make one payment a month for all your bills, rather than paying so many.