Open a bank account. Start saving money. It's actually quite easy to do once you're organised.
Once you have opened an ATM card account, get another one that is a passbook account, which you can only access over the counter. Get your employer to put a proportion of your wage into this account. 10% is a good start, but most people can do much more than that. If you can't save enough to get yourself out of this mess, you don't really want to get out of the mess, do you? To save $3000 you would only need to save $60 a week for a year. Prioritise your bills, and start paying them.
Cut back your expenditure. No landline phone, no internet at home (unless it is absolutely necessary for work) and no pay tv or other luxuries. Keep groceries to the basics. If you want to get out of this mess, you will find ways to cut back, and put the extra money into the debts.
In most situations, a loan doesn't fix money problems. It just makes it worse. If you can't get a loan, that's a good indication that lenders don't consider you a good risk. With bad credit, you don't have a hope in hell of getting a loan with low interest.
The savings plan I have suggested will immediately improve your credit rating. Lenders like to see savings, even more so than a good loan repayment history. So take my advice and save your way out of debt. If you get a loan, you're just getting another bill, and making your situation worse. In many countries, it is illegal to pay a debt with borrowed money -- in Victoria Australia you cannot pay off a credit card with a credit card. You need actual money.
You should contact the organisations you owe money to, and make arrangements to pay back the money. THey just want their money back. Say you will pay a certain amount by a certain date, and stick to it. The money going into your 'savings' account will be only for these bills.