am buying a house in a contract for deed arrangment and have paid 962/mo for the last year.?

my credit score is 531 and have discharged debt and a judgement against me for 1700 dlls for hospital bill. also have outstanding debt of 1300 dlls in payday loans that cost me 350/mo in finance charges and living expenses run 700/mo besides mortgage. my net income is 1800/mo. refinancing is the only hope i have to make it . any idea who can help?
due to health issues am unable to get a second job. i spend nothing on entertainment as medication takes all my “extra” income.
house is valued at 92000, owe 84000
thank you kemper, 7 years ago i had a 300 thounsand credit line available following your advice, got lucky with the decision not to use as my health took a turn for the worse and could no longer work 16 hour days 6 days a week. my total debt was only 8000 dlls as a result after paying off child support and student loans totaling 36000. i just dont have the option of working 3 jobs anymore
thank you kemper, 7 years ago i had a 300 thounsand credit line available following your advice, got lucky with the decision not to use as my health took a turn for the worse and could no longer work 16 hour days 6 days a week. my total debt was only 8000 dlls as a result after paying off child support and student loans totaling 36000. i just dont have the option of working 3 jobs anymore
thank you kemper, 7 years ago i had a 300 thounsand credit line available following your advice, got lucky with the decision not to use as my health took a turn for the worse and could no longer work 16 hour days 6 days a week. my total debt was only 8000 dlls as a result after paying off child support and student loans totaling 36000. i just dont have the option of working 3 jobs anymore

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