really bad credit need a loan

i have really bad credit and in need of a loan to pay off debts and make one payment? Any ideas?

a real company. not a payday loan or mortgage refinance company. Payments up to $500 a month.

the best wa y is to consolidate your debt and pay ONE bill monthly instead of many;

Consolidate Debt

http://www.debt-explained.com/category/Ways-to-Consolidate-Debt.html