I currently have 54k in cc debt, 19k in personal unsecured loan, 2 mortgages, 1 car lease. I am having trouble paying for the unsecured debt and BK is not an option as I cannot lose my house (and other mortgage is my moms home that my brother pays for who is also on the mortgage).
The 54k is split between 7 cards. 17k with chase, 12k with unionbank, 7k with amex, 8k with citi, 2k with bofa, and 2k with bestbuy. I have 0 late payments on my account thus far but my credit is taking a big dip because of this. all cards are maxed. I have been trying to secure a loan to pay off everythi