If you just got a summons to go to court becuase you owe?

5,000 on a repo.....is it smart to refinance your house? even though your payments would be about 200.oo more a month, but you would be getting back enough money to pay back that debt. and money left over......we have no other means to pay this big amount of money in 20 days....what do you think , would be wise decision to make?