When you consider debt consolidation you must know that there are qualifications that you must meet to be granted a loan.
I have done some research on this particular topic and have found out that many lenders consider the following:

1. Your IncomeYou need to have a reasonable income for the amount you are requesting.
   The creditor will need to take this into account as they need to be absolutely sure that you will be able to pay back the loan.
   The income you receive needs to be stable enough and sometimes a ratio of debt to income is used to make sure that your debts do not exceed your income.
   
2. Payment History This could be by far the most important aspect (after your income, I suppose).
   You need to have a pristine payment history.
   Your new lender will want to know how you have treated your previous creditors.
   Were payments made on time? How many times have you failed to make payment? What is your payment history like? Theyneed this information to know the type of borrower you would be and to determine your interest rate is they approve your application.
   

1. Your Stability Make sure that you have stayed in a particular place for at least two years.
   Too much movement is a sign of instability.
   
2. Collateralyou will need a bargaining chip and most of the time it will either have to be your house or business.
   In order to qualify for a loan you will to have something the creditor can use when you can no longer pay your bills.
   

If you match the above criteria, then it will be quite easy for your loan to be approved.
Just make sure that you will be better in managing your finances later on.