If you have past due accounts with collection agencies your best bet is to try and settle the debt with them for a portion of what you owe.  Your credit report will reflect the account as a paid settlement.  If you have medical bills you should make a payment to them every month, even if it is only ten dollars.  Most hospitals and doctors offices will not send your account to collections if you are still making small payments each month.  If you owe a credit card company they usually agree to drop interest charges or late payments in return for a lump sum payment to pay off your account.  If you still want a loan to pay your debts you should consider a secured loan from a bank or credit union.  They use your house or automobile as collateral until you pay off the loan.  Your other choice is to have a credit worthy friend or relative who has good credit co-sign the loan with you.  The only down side is that if you are late making loan payments or stop paying on it the co-signer gets his or her credit hurt as well as yours.
if my credit is bad how do i get a loan to get on the right track and pay all my debts?