Debt loans problem is a bad news for every borrower and I am sure if you are on this position you will never become normal person anymore because in fact you will be in serious problem when you cannot payback the fund shortly, unfortunately when you want to apply for home debt loan, you will not be able to apply it.
However, you can solve this problem easily by using debt consolidation. Before your credit record is getting worse, you can take the debt consolidation action with some guide from the professional (there are some companies who will be able to help you do this action.)
You need debt consolidation company to assist you handle your debt loans problem. You might be able to add more house equity as collateral so that your bank will confirm and accept your application. But, it is not a wise decision when you have income problem especially in this global crisis.
Customarily, you also need extra process for the debt consolidation company to discover the problem and application. Debt loans problem will become one consideration, but it will not become the main decision factor, that is the duty of the debt consolidation company. Your debt loans will be negotiated by the company directly to your creditor including monthly payment, fee, survey fee and collector fees, even everything about your debt loan. Solving this problem requires assist from the professional, and you need also to prepare your fund management in order to be able paying the money back.