I own a home worth $140,000.00 and only owe $40,000.00 on it but my interest rate is 12% with Beneficial. I need $10,000.00 to pay off all my bills but I can't find anyone who will help me because my credit score is too low. MY father died and left a mortgage which I inherited because I had owned the house when he signed for it and I had signed for him to get it. He said there would be ample insurance to pay it off if he died but there wasn't. I have tried to sell it but after the housing market crash the value was too low to come close to the payoff. They say I can't repair my credit until this is all settled but I need the money to settle this. Can anyone help? I have a good steady job and income but interest just keeps eating up my income.