There is only one reason why I am asking for help. I am doing this because I really want to go back to a normal life.
I am a normal, hard working man. I lived a peaceful life until I had to leave for some time. During this period, I rented a house together with other people. During my absence, they stopped paying bills, and because I was the principal tenant, it all went over to me. They calmly moved out to another place without worrying about unpaid bills. After the time I came back I had to use my credit cards to start somehow and cover my expenses before I started work. Later, I had to take an additional loan. High interest does not allow me to function normally, and a bad credit history does not allow me to take one ordinary (6%?) Loan with a lower interest rate so that I can settle everything and pay only one, honest installment.