Can I qualify for a debt consolidation loan from a bank with a co-signer?

I hear about all the debt solution websites that offer to decrease your debt, yada, yada, yada. I am not looking to find a person to bail me out of the mess that I got my self into, I am looking to find out if a bank would be able to lend me the money to pay off my creditors on a loan with a co-signer as I don't own my own home yet. I am married, pregnant with my second child, and my husband and I want to buy a house eventually. I owe about $22,000 in credit card debt. Am I asking too much to have someone like, say, my father co-sign for a 5-year loan to conceivably pay this debt off and allow us the chance to purchase our own home?