It is a fact that men and women with poor credit can secure a debt consolidation loan. There is a way for bad credit rating and even debtors in the worst credit situations can reach out and find relief.When good consolidation companies offer loans to individuals with poor credit, they treat them with respect and offer them fair rates. When bad consolidation companies go after people with bad credit, they often sneak hidden fees into their payback plans and treat their customers like they are unworthy of better treatment.Remember, you deserve good customer service and affordable consolidation rates! Every company that offers debt consolidation services to the public makes their living off the fees they charge. That means that they need you more than you need them! Take the time necessary to seek out and hire a consolidation company that is willing to treat you as a valued customer.Even the most reputable debt consolidation company may need to charge men and women with poor credit higher interest rates for their loans. The truth of the matter is that creditors are taking a risk in offering a loan to individuals with poor credit and they deserve just compensation for their risk. This DOES NOT mean that they have a right to charge astronomical fees, but be aware that rates may be higher than average.In addition, most consolidation companies charge their customers upfront fees for the manpower involved with dealing with your creditors and paying off your accounts. Again, they are taking a risk in assuming all of your debt and an upfront payment helps to offset these risks for the company.By the way, by researching and comparing the best debt consolidation companies in the market, you will be able to determine the one that meet your specific financial situation, plus the cheaper interest rates offered. Nonetheless, it is advisable going with a trusted and reputable debt counselor before making any decision, this way you will save time through specialized advise coming from a seasoned debt advisor and money by getting better results in a shorter period of time.