to PAY off credit card debt or NOT to pay off credit card debt?

[Fred Gonzalo]

DEBT TO RATIO is holding me back enough for banks to say NO everytime i get to the underwriter part. Truly stinks and a waste of time for everyone..

If anyone with same experience can give me tips or advise id truly appreciate it. Cant let debt stop me..as thats the only main block on the road. 

Ive got property paid off already but even with property as collateral still debt to ratio is a problem.

My question is what can i do to fix this..work off to pay the debt or consolidate? (since i cant refi my property to pay off debt).

Thanks everybody.