Any Get Out Of Debt Ideas?

I got a lot of bad crap on my credit report. A lot of stuff that got out of hand. My two credit cards aren't out of control, and they have small balences. Most of my debt is from severely past due bills that I got while I was sick and could not work. Are there any agencies or banks that do loans for people that don't have credit card debt but do have debt that keeps them from getting things like a better rate on a car loan or student loan app??