consolidate or settlement

You need to try and get a consolidation loan, visit your local bank and talk to them about it, they will be able to tell you what is the best option.

or

Do you have a house in mind, maybe you could get the $10,000 extra when you buy the home, then you would just have the one payment. these are just options that I thought of.

If your cards are behind, then your odds of getting a loan for a house right now wouldn't be that great because of your credit score. You should take the consultation offered and see if they can help you work out payments, or for debt settlement you have to save up and then try and settle the debt. Since you are behind on the payments I am assuming your income is not enough to pay everything thus making it hard to save up for DS. Is there anyway to earn extra income before the baby comes? part time as a cashier at night or something, or what about your husband/partner? Increasing your income and putting this into a account to settle would be an option.

In my opinion getting a home at this condition when you have so much of debt is not a good idea. You will be charged exorbitant interest fees. I think you must wait for a while so that your debts are settled and your not so perfect credit score gets better. Once your credit boosts up you will qualify for loans that have quite attractive interest rates.

take care n best of luck
nelly

good comments above...and to leverage those comments, most lenders are going back to "old school" lending criteria...25% down and good credit.

I do not own a home..but I have in the past..and I agree with goodnelly. You need to be patient and wait before you try to purchase a home. Concentrate on getting those debts paid off..contact a counselor on this site. They can give you some good advice.
Good luck to you.