Sounds like a pickle. If you can sell your place for a big profit, that may be worth it. Pay off your debts and stop bleeding to interest. If not, try to get more rent on your property or find a new way to make money such as an extra job or new career. Desperate times call for desperate measures. Just don't give up and don't EVER use those debt consolidation loans. They are all predatory and you'll be in a WORSE spot. Take it one spending decision at a time. Money adds up.