Get Out Of Debt

I have a mortgage, car payment, and 10 credit card bills and the other day I went to the bank and took out an ,000 loan to pay it all off but now I have to pay off the ,000 and still have a good chunk of my mortgage left.
What do I do, how exactly [...]

I have no negatives as far as missed or late payments in my credit history, but my income to debt ratio is not good. So my score is very sensitive right now (although just below excellent, last I checked) and I don’t want to make matters worse by racking up credit inquiries when I [...]