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Best way to consolidate debt when you already have so much they won't give you anymore? - best way to consolidate debt

I'm trying to improve and to pay credit card debt. My credit is good, I bought my first house from me. OT, but I want to get rid of my debts, credit cards fast ... I have done everything that I transfer the lower cards. But to tell consolidate the inclusion of a loan, that they "Out you too" and I refused. But as counterproductive, I think it is too early for a home loan, n 'have no equity in my house. And I would not go through a Credit Counseling Agency that can affect your credit! Any idea or banks, websites, etc., check out?