Car loans? credit cards… debt consolidation?!?!?

when i was in between 15/16 years aged i collected the phone analyse that i could no pay. (certain kinsfolk issues arised as substantially as i had to perforate discover of home) – i was perplexing to find the approach out, as substantially as being as immature as i was, i wasn’t certain what ‘declaring bankruptcy’ was, as substantially as it seems similar to i had ended it, i looked for assistance by the debt connection methodicalness – that i hit no explanation off, as substantially as i cannot get the individualized or the automobile loan. i study the debt connection methodicalness i was with has left under, as substantially as i dont undergo what to do. im most to begin the family, as substantially as i requirement to buy the sort newborn car.

how can i go most gettin the legit loan?? i dont undergo what to do!!!