Home Equity Loan/ Credit Loan? Newly Employed/ Home owned outright/ No Mortgage?

Hello! I have a question. My partner's parents both died within 2 years of each other, leaving him a very big inheritance. He stopped working and lived off of that for the past 3 years (it also brought mass depression, a substance abuse problem and a nice stint in Mental/Substance rehab). Needless to say this has left him with out a safety net, except for the fact that our/his (I am not on the title) home is paid in full and all we pay are the taxes.

He just began full time work a month ago, and bills are really starting to add up and we are treading water, After Jan 1 he hopes to get a permanent offer with the company he is working for now (he got it through an employment agency).

We need to get a loan to pay this batch of taxes and get us through till the spring where we will have another little windfall and use that to save for emergencies like this. I am embarrassed to say we have 1 payday loan, 1 installment loan and a Title Loan to boot.

I know he probably looks like a hot mess to lenders, but is there ANYTHING we can do to consolidate? We do not use credit cards. We only have 1 with a $300 limit and with his limited credit, he is getting turned away with those as well.

My credit is limited due to a previous marriage.

Does anyone out there know of a loan product or point us in the right direction?

We have cut down on EVERYTHING, cable, eating out, travel… The cell phones are the next to get cut down massively as well.

Any advice would be very appreciated.

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