Any recommendations?

Is there any trustworthy credit company in singapore that loan money to those salary below $1200/mth ? i and my hubby got a lot of bad debts amounting to $7000 . Hoping to get a loan abt $7000 to repay all these bills . So that can make monthly repayment of $100+ , over 4 to 5 years rather than one shot so many creditor chasing . anyone can help? ezycash & NTUC THrift no hope liao cos hubby &me both salary also $1200/ mth .Thanks a million for those who help . :-p