Need a lender

Do you want to take a new loan for paying off your past debts? If yes, it won't be a good move in my opinion. The lenders will see your credit file before granting any new credit. If it is not in good shape, the interest rates will be sky high. Besides, you will have to put some property as collateral to get the loan.

In my suggestion, try a consolidation program as it will work the best in your situation. You won't have to take a new loan and put anything as security in the program. The counselor will combine all your bills into one monthly payment at lower interest rates. The counselor from your area will be calling you soon. Discuss about your options and get started in the program.