Need genuine suggestion
I am male 27 currently in aus. Its been already 9 years i have been in australia. I have got my oermanent residency. Life went up n down. Went through divorced and deprssion due to which i needed money got credit card some personal loans which i couldnt pay on time credit card went on default. Loan upon loan. I cutrently have 300 credit score and defaul credit plus personal loan nearly 20k. I have casual job but well settled and i earn around like 12/1300 per week. I tried getting some loan to pay of my credit card and other personal loan due to which my credit rating went down. I seriously need genuine help on this matter i want to pay off all my debt and default credit card. I am trying my best. I just need genuine suggestion what i can do in this situation and what will be my next step. Thanks 🙏🙏