loan question

You will be able to consolidate your car loan as well as your credit cards together. You can contact local debt relief companies and take their help in consolidating your debts. They will negotiate with your creditors and try to get an affordable payment plan from them which will make it easier for you to pay off the dues. Moreover, the debt consultant will also negotiate with your creditors so that they forgive the late fees and other charges. You, on the other hand, will have to make a single monthly payment to the debt consolidation company, who will then distribute it amongst your creditors.

Hi!
Welcome to the forums!
If you want to know more about debt consolidation program or loan, then check out the following pages:
http://www.debtconsolidationcare.com/program.html
http://www.debtconsolidationcare.com/loan.html
I would also suggest you to increase your cash flow. This will help you make the monthly payments easily.