No I'm not going to agree with Debt sucks and tell yu to cut up your crds and joins Dave's commune, but I do like his advic about not opening anymore cards.  Don't know why your cards are maxed out but since you are thinking of refiing in May and dont have the means to pay them off, I would suggest paying them down. 

 

The other poster was correct I was assuming that the credit card issue was your biggest problem but if there are other fctors involved, you would also need to look at those.