Hello. I have about 12,000 in credit card debt. I am also "upside-down" on a car (about 5000). I have about $25000 of equity on my house. My interest rate is %6.5. Should I refinance to get the $20000 I need and have only 1 payment, or should I take out a second mortgage and have 2 payments. If you think I should take out a 2nd mortgage, how long should I do it for? Any other suggestions would be appreciated also.THANKS IN ADVANCE!!
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