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Contact a local bankruptcy for further...does debt consolidation hurt your credit in any way?it's like filing chaper 13 bkWhere can one apply for a consolidation loan with bad credit.?...ratings, comparisons or reviews on debt consolidators a.k.a.consumer credit counselors. I did find one here: http://www.lendersrated.com/index......where can I get a Debt Consolidation loan for my credit cards without owning a home?...If so, check with them about debt consolidation loans. 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