Often a new mortgage may be the best way to manage all of your debts. Moving your high-interest debt into a low-rate mortgage is a great way to save on your overall interest costs, improve your cash flow, and begin the process of improving your credit rating. It's great news that the right mortgage can help establish your reputation for credit-worthiness.
Mortgages generally qualifies as good debt: they are usually available at the lowest possible rates, and they represent a good investment in a (generally) appreciating asset. Bad debt saddles you with high interest rates - often on depreciating assets. But if you have equity in your home, then you have an opportunity to turn bad debt to good debt - by refinancing and rolling high-interest debt into your mortgage for big interest savings and a lower monthly payment.