I have bad credit but need a loan desperately?

I have bad credit because me and my husband have $15,000 of debt. I desperately want a $15,000 loan so that I can pay off all of our debt and get good credit again. Only problem is, is that no bank will give us a loan because we have bad credit. Does anyone have any solutions for me?
Update: we pay over $400 in credit card payments every month. If we could pay off the credit cards. We could use the $400 to pay off the loan. We would save money by not having all of the interest on the credit cards.
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