What to do?I have bad credit. Score right around 600. Had major surgery and subsequent hospitalization which resulted in huge medical bills. Insurance covered the majority but I was responsible for over $30k worth of treatment. No repossessions. No foreclosures. Never late on my mortgage. Never late on car payment. But have two collections relating to medical bills that are currently being paid, but are still listed as collections.I have had late/slow payments on 3 credit cards. Pulled credit report and found problems. Filed disputes for items that should be removed.Father passed away in December. Left me a house worth $53k. House is paid for and I've been told that the probate process will be completed in the next few weeks. Renters have been instructed to begin making monthly rent payments to me.My goal is to get a Home Equity Loan on the paid off home in July so I can consolidate my debt. The individual payments to different creditors is killing me. So far, I've applied at 2 banks and at LendingTree. Been denied by all.What are my options? Any suggestions?May 18 2011 - Middletown00YesReport 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.