Is there a finance place out there anywhere that will do me a debt consolidation with $3k of bad defaults??

3k is nothing -- just downsize you life style and get out of debt by your self == you might have to take a part time job -- but if you get rid of the wants and keep only the needs you will be shocked at the amount of cash flow you will have!!!

Believe it or not, 3K of debt isn't really very much. You may be able to get a loan from your local bank. There are also companies online that do this sort of thing. But if you've defaulted on these debts it will be harder to find a company to consolidate them for you because you haven't shown proof that you're willing to pay your debts.

The link below is a list of companies that do consolidations.

may de you dont need a loan. I found interesting information about your answer & options here. Goodhttp://all-debt-consolidation-loan.blogs... luck!

I know this probably isn't the best thing for you to hear right now, but you may actually be better off making an arrangement with the companies with whom you defaulted.
To get a loan for $3000 with defaults on your credit rating, you are looking at exceptionally high interest rates (up to 50%). This actually means you will end up further in debt than you are now.
Most companies will allow you to make arrangements to pay their debt... sometimes for as little as $5 per week.
They will ask some pretty invasive questions, such as how much you are earning and what you spend your funds on and how you could raise the whole $3000 figure, but you will find most debt collectors and debt collection departments are relatively understanding.

Best of Luck, I hope all turns out well for you!