Do I have any legal options?

I have two credit cards and a line of credit with a certain bank, the two credit cards have an APR of 19 and 27 the LOC is 12. The payments are as follows 220, 240, 91 and the balances equal about 15 grand between the three. My question is I have made dozens' of phone calls been in the bank, talked to everyone I can but this bank will not let me consolidate. a 15k loan at half the APR I am paying now would help me so much and I explained to them that by doing so I can pay them back quicker but the underwriters based on my income will not budge. I am a month away from Bankruptcy and even paying half those amounts would really help me. DO I have any options with this bank legal or otherwise?