How do you get a consolidation in Canada if your credit is bad and you don't own a house?

I'm in Ontario, and our bills are pretty high (newly married) and my $8,000 student loan is in collection along with a bunch of other stuff...if we could only consolidate it all we'd be able to make one payment on all of it and get it paid down. We have no co-signer and DO NOT want to claim bankruptcy...how can we do this, our credit is bad so I can't see how we could apply for a loan without a house? Any ideas? I want to pay my creditors, just need the payments put together somehow to be managable...we will never be able to get our credit rating back at the rate we are going....