Help needed

we have had a bit of a rough ride and just can't cant get ahead I suppose just like half the population. I lost my job on 24/12/2021 through COVID and did not get a job until March and them my husband lost his job I got sick and had to leave my job for 5 months, we had put all of our debts on hardship plans as we ad no choice we were about to loose everything, what they forgot to tell us is that the arears has to be paid once you come of hardship as you can imagine all of the debt finish at the same time and all the repayment are just about doubled leaving us with $150 every week, so you what you have to do to survive so we had to take out some payday loans to survive. I just want my life back I've never had to ask anyone for help if you can find it in your heart to donate it would be greatly appreciated as we have tried to borrow keep getting rejected