debt from a scam/fraud

Yes I am trying to get my finances back in order after a fraud/scam affected my financial life. I am struggling to pay credit cards/ phones from the fraud event. It has hurt my credit score very much...it was reported, I have been trying to fix for 9 months this nightmare. My question is there any way to get aloan with poor credit now to consolidate the balances? I have also been thinking of bankrupsy..any suggestions?

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