Usbank 1st / Pnc bank holec .... here is my scenario

[Joel Fraser]

I bought my condo ( first home ) in 2002 for 106K With some money down, I acheived my goal of lowering my monthly housing cost as compared to my previous high rent But I still experienced earnings challenges at work, and low wages. Rather than tap into my IRA, I refinanced and used my condo equity to pay bills and expenses that my wages would not cover. I also built up quite a bit of high interest Credit card Debt. My Condo had reached an appraisal high of about 180K It is now worth about 125K, and here is what I owe: 125K to Usbank first loan, reset Aug08 to 6.1%...due for Aug09 reset. I cannot afford the Aug09 reset...I must modify to fixed low interest. 25K to Pnc Bank for heloc 17K to Cap1 24% APR credit card debt Usbank is inviting me to transfer my 17K CC debt to them on a 0.00% CC. Questions: If I balance transfer 17K cc debt to Usbank, how will this affect my request to them in future for loan modification? Do I contact Pnc bank - Heloc...and ask that they take on more of my CC debt, or will they just say no flat out due to me being upside down? How do I manage these 3 aspects...First loan...heloc...CC debt? What is my approach to banks, where do I start?