Please help a brother out

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Might not be the right platform bt who knows, I might get help here. Im a clean black guy and l have made wrong decisions inlife. My problems are only financial problems , of wch l work bt my slary no longer sustain me..In in debt of almost R which in it includes small payday loans and loan sharks. I was just got paid a few days ago bt my bank balance is now sitting on negative and I haven't paid rent yet and some of the loans n loan sharks are blowing my phone.. Of which my mistakes ar now affecting my cousin whom i share the house we rent together.
Please anyone whilling to assist me, lm gonna do whatever agreement we gonna have if you help me to reset my life and start over ( peace of mind is what l long for right now).