Does anyone know of a company in Canada that will give personal or debt consolidation loans to people with bad credit? I have a visa in collections, which is the only credit I had...I don't have any assets and nobody will give me a chance..I have a good paying job now and only want to borrow 6000$.I also don't have a co-signer. Any ideas? I was only 19 when I got that visa and made bad choices....The collection company won't let me make payments....They want it in full and it's not possible for me...