What options are there for someone like me?Bad luck, medical bills, financial mistakes and bad investments have hit my credit hard. (600 middle). I have had in the past 2 years 3 - 30 day late mortgage payments, a few 30 day late payments on maxed out credit cards and one went 120 days but has been current since. I make good money over $110K/yr I now have monthly bills that total about 1/2 of my take home pay. My house is worth over $350K. I have a first mortgage of $34K. I have a HELOC with a balance of $100K.Credit cards and other debts at around 55K. I no longer have the medical payments going out. I have paid back all the loans to family and friends. But I can't seem to get the credit cards paid down. Interest rates are high and it is just consuming too much money. Is there anything out there for someone who wants a debt to loan Home equity loan for $125K? I do not want to touch my HELOC, right now it is only 2.9% and will probably stay that way till the 3 year term early closure is over and I don't want to have to pay the closing costs back to them.Any one have any firstname.lastname@example.orgFebruary 29 2012 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.