This will not be what you want to hear, but the truth is that you probably should not be looking to borrow any more money right now. You are simply creating a cycle of debt that will be nearly impossible to break in your situation. Plus, it will be nearly impossible for you to find any loans at reasonable rates with your employment and credit situation.
You should probably seek legal advice if you are worried about legal action. Check with a local non profit, such as a CCCS office or maybe even your local Department of Social Services. At the very least, they should know if there are any other local agencies or non profits who can provide you with emergency assistance.