Confuse
I owe almost 50 k from credit card , personal loan and line of credit. I am a month behind on my bills. With that so,I assumed my credit score went down . Do you think there are still company that would help me consolidate my debt? I take home 6000 a month with one full time and a part time. I am single and just mismanage my money.
Posted from: Ontario

The matter will hinge on your employment history (how long have you held your current job), your payment history (which sounds like it is deteriorating) and whether or not you have nay kind of security for the loan (something of value the lender can take from you if you default).
The best thing to do is to go and speak to your bank. The worst they can do is say, “No”. If they do you may want to consider either credit counselling or a consumer proposal as alternatives, but go speak to your bank first.