Try the following macro, after which you probably won't need any of your formulae.
Code:
Sub CleanUp()
Application.ScreenUpdating = False
Dim i As Long, j As Long, k As Long
With ActiveSheet
With .UsedRange
.Cells.Replace What:=Chr(160), Replacement:="", LookAt:=xlPart, SearchOrder:= _
xlByRows, MatchCase:=False, SearchFormat:=False, ReplaceFormat:=False
.UnMerge
.VerticalAlignment = xlCenter
.WrapText = False
.HorizontalAlignment = xlLeft
.Font.ColorIndex = xlAutomatic
.Font.Underline = False
End With
While .Shapes.Count > 0
.Shapes(1).Delete
Wend
.Columns(9).Delete
.Columns(8).Delete
.Columns(6).Delete
.Columns(5).Delete
.Columns(4).Delete
.Columns(2).Delete
For i = 1 To .UsedRange.Rows.Count - 1
If .Cells(i, 6).Value = "MORTGAGE" Then
.Cells(i, 5).Value = "MORTGAGE"
.Cells(i, 6).Value = -(.Cells(i + 1, 6).Value)
End If
If Trim(.Cells(i, 2).Value) Like "####-#####" Then
.Cells(i, 2).Value = Trim(.Cells(i, 2).Value)
For j = i To .UsedRange.Rows.Count
If Trim(.Cells(j, 1).Value) <> "" Then Exit For
Next
.Cells(i, 9).Value = .Cells(j, 1).Value
For k = i + 1 To j
If .Cells(k, 3).Value <> "" Then
.Cells(i, 3).Value = .Cells(i, 3).Value & " / " & .Cells(k, 3).Value
End If
Next
End If
Next
For i = .UsedRange.Rows.Count To 2 Step -1
If .Cells(i, 2).Value = "" Then .Rows(i).EntireRow.Delete
Next
.Columns(1).Delete
.UsedRange.Rows.AutoFit
.UsedRange.Columns.AutoFit
End With
Application.ScreenUpdating = True
End Sub