How can I get a debt consolidation loan with bad credit?

I am willing to make the payments via bank draft

where can I get a home/debt consolidation loan with bad credit?

I would like to have a chance to start over without having to file bankruptcy.

Can I get a debt consolidation loan with bad credit?

I would like to get a debt consolidation loan for my outstanding debt from closed credit cards, old utility bills, etc

I have student loans, but I would like to consolidate them separatley and not through another loan.

Also, I have an auto loan, would the loan be able to cover that as well?

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