*Loan,banking and credit>>>bad credit mortgage

Is there anywhere I can get a personal loan if I have bad credit and no mortgage?

I am trying to pay off bills and my bad debt and get my financial life in order. If I could get my hands on a loan and pay everything off and have one monthly payment, I could breathe alot easier! HELP!!!!!!!!

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-cons...

if it helps kindly remember me in your voting!.. cheers!

http://www.prosper.com

This site matches lenders and borrowers, then you make a deal, or not. Up to $25,000.
I think the best option for you would probably be to consolidate your loans.
First of all it will be hard to find a bank that would give you a loan based on your credit. First thing they look at is your payment history and debt relative to income factor. So by consolidating it doesn't look bad because you are still paying on your bills just all in one. Plus if you were to get a loan you are just making the bank money because you will pay more in interest rates due to your bad credit.

If you still would like to look into finding a bank that would give you a loan I would suggest ot look for a co signer that has good decent credit and would be willing to take responsibility in case you were ever to default.
bankrate.com