I have $175,000 in home equity. My credit score is low. I just finished paying off all credit card settlements recently, that was my only negative debt. Last week I found out I have a judgment against the house from a civil lawsuit for $39,000. I owe $14,000 on my house. How can I go about getting a loan to pay off the judgment and my house? I have a steady income and worked the same job for 13 years.