Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What are the reason or factors of someone to get denied for debt consolidation? - What are the reason or factors of someone to get denied for debt consolidation. With all the bills, by doing the math it is clearly that money coming in, is not enough for the money coming out. I'm thinking of applying for debt consolidation, but what if they don't accept it. I'm running out of options. Bankruptcy would be last on my list. Please I need help/ advice. Thank you. -