Can you get consolidation loan with credit default (Australia)?

I have the choice with the credit label association as well as the sound company.

Can we intend the converging give to compensate of these debts? Or given we have the choice we cant?

What arrange of seductiveness would we be paying? Do we undergo who would be most appropriate to go through?

Debts sum about 4 or 5k.

I can have full volume paid ofttimes in lumpsum during primeval june