This is not a suggestion; just something to think about. Sometimes when people go bankrupt, lenders line up to lend them money because they’re debt-free.

If you have only tried banks, try a credit union or a finance company (such as CitiFinancial). They might lend to ’sub-prime’ consumers with less than polished credit.
You might also try using something as collateral, such as a vehicle that is paid for. Or, get a parent to co-sign.
Just be sure you really use the loan to consolidate and don’t get back into debt. It’s EAST to do unless you have some good discipline!!

And thanks for quoting a prior post of mine Pretty!!! I am flattered!!!

Well, first off, a “short term” loan is generally less than 12 months, so what you want would not be characterized as short terms by any lender.
Secondly, if you obtained a mortgage, I’m going to assume that your credit wasn’t all that bad. Generally, if you have some bad credit and you need cash, the best place to go it to wherever you have an existing relationship, which would probably be your bank carrying your mortgage. If you have home equity, that’s your best best. If not, you might speak with a loan officer at the bank about getting a bill consolidation loan. Possible they might be able to work something out.
An alternative is a loan finance company that lends money at generally higher rates, like a Citi-Finance or other national/regional sources. Not the cheapest solution, but they do have fewer restrictions than what a bank might since they generally take more risk.
Hope that helps.