Fat in unwanted areas... ?

Soo, my pelvic area is fat... I'm not a "big girl" by any means, it just has more fat than anywhere else on my body. When I wear leggins, yoga pants, even scrub pants for work, from a side view it looks like I have a penis/balls... Does anyone else have this problem? How do you deal with it/cover it up? I feel very uncomfortable wearing bikinis, yoga pants, etc. is there a surgery I can have to get this taken care of?