Private Lender - Rebalance Personal Debt

[Xavier Franklin]

I'm not too sure if my limitations on this platform, but I've been a lurker for quite some time, on and off, but more off than on, and I have found myself in a bit of pickle, a financial pickle.

Many times, people will judge at this request and want to ask the why's, how's, and proceed to dismiss, not because of the reasons, but because of the figure.

I am approximately $430K in debt with a salary of $160K. Doesn't seem like much at first glance given I could be $430K in debt in Real Estate, but I'm not. Of the $430K, $160K is a house and the remaining debts is personal/retail loans, student loans, medical bills, and credit cards. I live in NYC and rent is crazy high and so is the cost of living.

I'm not asking for a long-term loan from a Private Lender(unless those are offered), but I'm asking for a rather quick loan to restructure my debt.

The Plan is to borrow from a Private Lender, await 2-months to pass to allow the credit cycle to reset to provide a window of opportunity ans have my credit go up to a creditor and payback the borrow with lower interest rates. 

I almost died and was out of work for over a year and was more focused on my health and told myself I'd figure out the finance thing later. I am almost fully rehabilitated and am back at work, but now I have a gargantuan mountain of debt. I don't want to file and a lower interest rate credit is all I need. 

Hope this reaches someone, somewhere and is willing to discuss more.

Thank You