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yooperpolock

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want to consolidate credit card debt...any suggestions as to the best place to do that
currently owe 30,000 on several credit cards...would like to consolidate if possible..really want to try to avoid bankruptcy...any suggestions

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Your credit card utilization is probably over 40% so new offers will be scarce as hens teeth.  There are a lot of consolidation scams out on the  web so beware.  

The only strategy that usually works is a second mortgage or home improvement loan.  If you have no equity there are not many remedies. 

If you file for a chapter 7 bankruptcy at 90 days late the court trustee will look for honest consolidation options before going through with the bankruptcy.

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Chapter 7 bankruptcy options

What if you no longer own a home and owe about $15,000 in credit 

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