When you are looking for bad credit debt consolidation, it is obvious that your credit ratings are ever poor. In most cases, people realize something is wrong only when they start being rejected in various schemes and loans! Before that, they are happy paying only bits of the bills every month. Slowly, it hits them that they are no longer eligible for what other vigilant credit card users are eligible for. It is at this stage that they rush for free debt consolidation help offered by the first company that comes into their view. Another mistake!