If you have a large number of unsecured debts but are not a home owner and are not able to offer any security for a debts consolidation loan, you only have 3 options.
Personal Loan for Debt Consolidation
Apply for an unsecured personal loan with a bank (personal loans tend to be exclusively bank products) FOR DEBT CONSOLIDATION PURPOSES.
However to qualify for such a loan you need to have stable employment and a clean credit history. Paid defaults or discharged bankruptcy does not qualify as a clean credit application. To qualify for a personal loan your credit history does in fact need to be completely clean.
Informal Debt Negotiation
Contact your credit providers and explain that you have difficulty meeting your current repayment obligations. Request a reduction in payments or an alternative payment plan which you can in fact keep up with.
If you have some bad credit history and more than $8,000 in unsecured debts you may in fact be eligible for a Debt Agreement. This is where an accredited professional contacts your creditors and negotiates a formal debt reduction and a new repayment plan. Debt Agreements are covered by Australian Legislation.