People often wonder if there is a point when it becomes too late to get a debt consolidation. The answer to that question may be determined by what you consider to be "too late."
If you mean the time when it becomes impossible to get a debt consolidation loan, then the answer to that is no, there will always be some lender who will probably give you a loan. You probably would not be interested in paying their high interest rates, however, which will not help you get out of debt.
According to Phillip Williams at USMoneyTalk.com, says that "The purpose of bill and debt consolidation is to help you get better terms, by having a single creditor pay off your debts and you then repay only them. Most people who need to use this type of financing are having trouble paying off their current debts. You are more likely to be approved if you are at least attempting to pay off your debts."
If, on the other hand, you mean getting a debt consolidation loan before your credit score is affected, then there certainly is a point where you can miss the golden window of opportunity. Debt consolidation works best when you get it prior to any damage to your credit score. Lenders will be more likely to give you a bill consolidation loan when your credit score is still good.