My husband and I are in "way over our heads". Need serious help. We have approx $100,000 in unsecured debt, a mortgage of approx $114,000 (our house appraises at approx $125,000); not to mention regular bills. Is there any place out there that would loan us $100,000 to make one lump payment????? Our unsecured debt is spread over 6 accounts. Payments are outrageous. Our debt to income is disgusting. We are in serious financial trouble. Is anyone out there as bad off as we are????