Where can I find a place that will allow me to pay off all my bad debt in one monthly payment?

Question by Caliguy: Where can I find a place that will allow me to pay off all my bad debt in one monthly payment?
When I was younger I did alot of stupid things. Alot of it was taking up on credit cards and not paying for them. "Credit" to me didn't mean anything. Now Im paying the consequences. I was wondering if there is a way to pay all those charge offs, delinquencies, collections, etc in one monthly payment? Consolidation loans usually require good credit and I wouldnt qualify for

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