My husband and I want to pay off some credit card debt; which is the better option?

I have very high unsecured debt. I can’t keep up the minimun payments. would debt consolidation be the way to go, or should I declare bankrupcy.Which would hurt me more in the long run?

What is debt education?
Do Debt consolidation program offer it?

im searching for the name of a debt consolidation company that offers the very lowest interest rate for debt consilidation out of all the competitors. please does anyone know out of their own experience?

My ex has the house. The only collaterol I have is some IRA’s that have double the value as my debt.
What alternatives are out there? What do you suggest?
I have great credit, pay on time, not behind. I am wanting to get a home within a year, but will not be able with such a large debt. This monkey on my back is stifiling.
Thank you ahead of time for your suggestions!
081707 10:07

I would just like to know of some good debt consolidation companies that people have used that are friendly to people with fair credit and that are simple to recieve help from.

My credit is not that good its actually poor. I am only $20,000 in debt but would like to consolidate both my credit cards and car payment. I would like to have a reputable company and one that creditable also. Thank you

I wanted to do credit card debt consolidation but I am skeptical if this is a good idea with the economy. I am very far behind on my credit card bills and the only reason I can’t afford them now is because the min payment has gone through the roof. The all together debt that I have is less than 2,000.

I am about to go nuts, I am in very serious debt and to add to it i have outstanding traffic tickets. I was considering debt consolidation but what I’m wondering is if i can add the tickets to the debt consolidation plan?
Only serious answers please.
Thank you for your time.

I have a ton of revolving debt (mostly credit cards) and just bought a house 5 months ago so I don’t have much for collateral. I’ve already been denied by a bank so is there anywhere I can turn to for cosolidation purposes that isn’t going to kill my credit? I want to consolidate my high interest credit cards onto a lower interest loan and need suggestions.