For possible consolidation 30K credit refinancing. Be considered a debt too .. Help?

Value of the house at 155K, 130K. On the first loan, the second mortgage on 29K, 30K debt credit card interest rates on credit cards for almost 30% used to shift the balance, except you! Total annual income 62K, part of it from their husbands social security and workmans compensation. Keep the banks touch us but for a personal loan. Two mortgage companies have refused. Suggestions?

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