I was wondering if anybody

The solution could be a so-called bad credit home loan. These mortgage loans are specifically designed to assist borrowers consolidate debt quickly while keeping their monthly payments affordable. Best of all, you don't have to have a spotless credit record to qualify.

Fortunately, bad credit home loans are geared to borrowers with less-than-perfect credit. You can choose cash-out refinancing, which allows you to trade your existing mortgage for a new one and receive additional cash. Many homeowners use the cash to eliminate higher-interest balances such as credit card accounts. Just remember: the money is drawn from your home equity and making a withdrawal will deplete your stake in the home investment.

Same rules apply to a Home Equity loan. Also known as a "second mortgage," these popular loans are disbursed in a single lump sum, generally at a fixed rate. Homeowners frequently use home equity loans to consolidate their unsecured personal debt such as auto loans, student loans, or credit card accounts.