When your credit rating is too low and no one wants to help you consolidate, how do you pay off debt?

At one point, we were trying for a loan...it would have paid off all our debt at the same amount per month that I'm currently paying for a car loan. We didn't qualify due to a bad credit rating. Who is willing to work with us without having to declare bankrupcy? We don't want debt solutions as an answer because it means we would lose even more credit rating, right?