If you are in debt you can check online for help in consolidating all your debts. For a fee they will negotiate with your creditors to cancel all the interest and overdue charges they have added onto your accounts. This will bring down the totals of the debts dramatically. They will even bargain with your creditors to take less than you owe them immediately or they can take the full amount which could take you years to pay off. Most companies would rather cut their losses and take less than wait for a long time to get the money they are owed.
If you do not like this way of doing things and would rather just pay them all off with loan you will have to visit the local banks and money lending agencies for advice on which loan will be the best for you to take.
The personal loan is usually the best loan for this purpose. Home owners have the extra options of taking either a home equity loan or a second mortgage. Both these loans are secured against the home and this minimizes the risk for lenders to lose any money so they will be willing to give you one of these loans even though you now have a bad credit record.
If you are not keen on a secured loan you might find a bit of resistance from the lenders in general. You may have to look around but you will find a lender that will be willing to take the risk in helping you. They will charge you a higher rate of interest and may just shorten the duration of the loan which will mean that the monthly payments would be higher than they should be. This might be preferable to you rather than putting your home on the line as you could have lost it to the bank if you could not pay off your loan successfully.
Tell the bank or money lender what you intend doing with the loan and they can help you by giving you checks made out to your creditors instead of giving you the cash and putting you in temptation of spending the money incorrectly.