I think maybe since you husband has a good income that you need to fix your debt problem by setting up a bedget to pay it off. It seems like you already have bad credit, and I don't think that its a good idea to get a loan to pay off other loans. With this bad economy banks are not giving out personal loans to people with good credit let alone people with bad credit.
I'm not sure how much your looking for but if it's 1,500 or under try this place http://www.lynxtrack.com/afclick.php?o=7486&b=cc831yh3&p=13087&l=1&s=VIR. I use them when I need a loan.
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