Looking to consolidate 30K in credit cards, possible refinance. Too much debt to be considered..help!?

House value at 155K, 130K on first loan, 29K on second mortgage, 30K in credit card debt. Interest rates on credit cards at almost 30% wont move the balance, except up! Total yearly income is 62K, part of that coming from husbands social security and workmans compensation benefits. Banks wont touch us for a personal loan. Two mortgage companies have turned us down. Any suggestions?

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