Can I get a line of credit loan bad credit and grace?

Our credit rating has dropped drastically after the purchace our house (put off trying to pay the mortgage and other bills) We also have an arm loan. We want to get a credit line to pay his debt, repair our credit. These two factors that prevent us?
my husband’s work was slow the first time in years, and bills have been many of us are familiar with on.now that his work was very busy. but we can not seem to penetrate. we are late and need about six thousand dollars to start new, but have a bad credit get a loan. I need help finding where a currency loan, which helps people with bad credit.

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