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Hi Monica

Welcome to the forums. debt consolidation and bankruptcy are entirely two different chapters. And it can not be mixed with each other. However, debt consolidation is much better than filing a bankruptcy. Please go through the following threads to obtain a better picture.

http://www.debtconsolidationcare.com/forums/about384.html
http://www.debtconsolidationcare.com/forums/about279.html
http://www.debtconsolidationcare.com/forums/about79.html

I hope it will clear much of your doubts.

Hoping to stay in touch with you often

Regards
Roxette

Hi Monica,

Welcome to our community.

This site has some very useful articles on bankruptcy, which might be useful to you.

http://www.debtconsolidationcare.com/avoid-bankruptcy.html

http://www.debtconsolidationcare.com/chapter-13-bankruptcy.html

http://www.debtconsolidationcare.com/chapter-7-bankruptcy.html

Also view the benefits that debt consolidation gives you in detail.

http://www.debtconsolidationcare.com/benefits.html

Stay in touch with us and feel free to enquire about further queries. :)

Cheers,
Faithful buddy