Debt Consolidation

👋 Hey!

i need your advices and please don't judge po. i am struggling kasi due to my poor decisions in life, may mga loans akong di nabayara (aeon, cashalo, robocash, tala, globewest, spay, & maya), sama na natin si smart pero di na sila kumo-contact. these are mostly pre-pandemic pa. now, most of them are reaching out via phone call, sms & email. one of them already sent out a letter na. i don't want to run away from these responsibilities, pero i am a breadwinner of the family now and may mga binabayaran akong utang din sa mga tao din. now, feeling ko mas magaan kung iisang tao/company na lang ako magbabayad tapos hihiram ako sa kanila ng malaki to cover all these loans.

di pa ako nakakasearch, kasi i am also applying for another client para naman mas malaki ang kita and mas makabayad ng maayos sa mga utang. pero what do you suggest I do? i read about debt consolidation here, how do u do that and what bank/company ang meron nito. i am willing to submit docs as i am working in an agency type of freelancers.

thanks in advance