How do I get a personal loan for $35-40,000 to pay off some bills and home repairs with bad credit?

I need a loan bad just became a home owner, & I am drowning, need help. If I could get the loan I could pay off all my bills and just have the monthly loan payment and utilties to pay. Then I could pay my mortgage with out worrying. If anyone can help me or show me how to get a loan, it would be beyond greatly appreicated. Any thing can help.