We have all been there, when things get so dire, it seems there is no way out. Desperate times sometimes do require desperate actions, but if your current financial situation is not very good, there is no reason to despair. Even for people with bad credit, there are still possibilities to obtain a loan, such as logbook loans and payday loans. Unfortunately, people seldom take their time, or rather do not take that time when it would have been proper, but wait until things get really bad. In hindsight, most of the dire situations could have been avoided, but at that time it either was impossible to tell, or on the other hand, not serious enough to warrant consideration.
Do not despair
As already stated, bad credit is not really a hindrance to get more cash, but is this really what you want? Take a minute to think about it. Just getting more loans to cover overdue debts is not a solution, but rather an additional strain on your financials. Yes, there are people who will give you money, but consider the extreme APRs that the loans come with, the short time span during which you have to find the next source of money. Unless this loan really fixes your problems entirely, you should not risk it.
Sit down and make a plan
Have a look at your debt, your creditors, the monthly instalments you need to cover and compare it to your income, or rather the expected money you will be able to set aside for these payments. Right there you should be able to see all of your impeding trouble. If you can cover the payments with ease, then calculate if there is space for another loan and how large that amount actually is. If there is no space, or worse, if you find out that you will be unable to meet your future payments, or much worse, you already have overdue debt, it is about time for you to admit you are in it over your head.
The easiest solution is to get a big loan, which has a monthly payment plan that fits your means, but covers all your outstanding debt. This solution is one of the consolidating debt solutions that are possible. There is also the possibility to get help from an organisation, governmental or charity, which helps you with consolidating your debt by entering agreements on your behalf with your creditors for more sensitive and adequate monthly payments, even with some write-offs included, allowing you to not only pay off your debt, but also meet all your other obligations, without having to starve or get foreclosure on your home, or similar. Such debt management plans are available at no cost for you, so make sure you research this properly, before you commit.