Consolidating debt new mortgage
If a relative lends you money, but then you lose your job or get hurt and are unable to pay them back, that may sour your relationship with them.
However, if you don't create a monthly spending plan and budget your money, it's very easy to continue relying on credit and get further into debt rather than get out of debt.
If your bank or credit union can’t help you, then see if maybe a family member or friend is able to lend you the money necessary to consolidate your debts.
If you are not able to obtain a debt consolidation loan, then maybe you can consider other options like selling assets to pay off your debts, downsizing your lifestyle to save money, cutting out expensive hobbies to save money, finding a cheaper home or cheaper place to rent, or increasing your income by taking on another job, taking in ESL students, teaching ESL, or something else.
By increasing your income you can pay off your debts faster, and by cutting expenses you can save money to pay off debts faster.
If you have any other valuable asset like a boat, motorcycle, RV, mobile home, non-RRSP mutual funds or piece of property, your bank may be able to use one of these assets as security as well.