Mortgages & Foreclosures Support Group

Not in the US, that I've found.

Good luck!

You might try a credit counseling service. I did, it cut my payments considerably and they negotiated the interest rates down. To get a loan and refinance is going to be pretty tough. If someone does offer to refinance you, you'll probably pay a higher interest rate for that too.

Bill,

Will they make me get rid of all my credit cards? I have managed to pay one down and would like to keep it for emergencies. I have already made an appointment for a credit counsellor, thank you for your wise advice.
One rung breaks in the money lader and crashing down I came. Sucks to be broke.

I used lexington credit to straighten out my credit. They helped me a lot over the past year. They got a lot of the bad stuff off from my credit and in one year I am now buying a house that is a LOT of money...

Your situation sounds grim, but you will not know until you sit down with a loan officer and look at your credit report. I have found that sometimes it's not as bad as it seems, and so there may be a program that will work for you. If you don't need cash for something, though, other than paying down your bills, I would not recommend refinancing. Remember, refinancing is buying your house over again at the new price, starting from day one, with all the fees and interest. Plus what you've paid so far doesn't count for anything when you start over. Please don't be fooled by "no points, no fees," believe me, you will pay for your loan one way or another. It's better to finance the fees if you can't pay them up front. The secret of "no points, no fees" is the lender pays all the fees, and in exchange, you pay a higher interest rate (but they might not tell you that).
A credit consolidation service is a better way to go, but only if you cannot deal with your creditors. You could try writing to all of them explaining the situation and offering a minimum payment until you can do better. Small payments sent consistently are better than alternating who is going to get paid this month. This is what credit consolidation companies do anyway.
By the way, it will not help, and may hurt, your credit to close credit lines. Work toward having one account in good standing at a time, while pacifying the others. You need some positive credit to offset the negatives. You should have three to five trade lines for optimum credit scoring, and each one should be no more that half its limit, but should carry a balance of one third to one half the max. This shows that you know how to use credit.
I don't know how things work in Canada, but bankruptcy is one other option. You can file a chapter 13 here, which is a debt reorganization. You keep your house and make those payments like normal, and the same with other things you want to keep, like your car. You pay the court an amount they assign you, and they pay the other creditors. That's just an overview, and it may be different where you are.
Back to your idea of a refinance: many people do it because it ends the credit problems right then. It's not the worst thing that could happen; it's just a very expensive way to handle a credit problem. But sometimes it works out well, depending on your interest rate and what the new one might be. Add up all your bills and compare payments. Remember the new one will be for 30 years though.