Offer to pay the debts over time and pay no interest, its a no brainer.

As for your credit file this will beaten down for 6 years no matter what you pay off.

Break the cycle, set the bar at 12% apr in future or dont bother

I'm afraid reality dictates that the only lenders willing to offer such a loan due to your adverse credit history, will probably be the type of lenders who operate questionably on the outer fringes of the law and only offer very high APR%'s.

It will be more advantageous in the long run to struggle and clear what you have already got, rather than borrowing from the likes mentioned above.!

I have a bad credit history. I would like to borrow 5,000 to pay out standing debts and get my credit rating back up.
Where can i go for a loan that will except me and hasn't got a really high APR