Would debt consolidation be right for me? Not home owner, not just credit card bills! Should I file bankruptcy?

Hi, we am about ,000 in debt. we have about ,000 of tyro loans to repay, about 00 in credit label bills as substantially as the superfluous 00 is phone bills as substantially as alternative negligent bills. we am meddlesome in the little kind of connection which will concede me to equilibrate soured my bills in the quicker, as substantially as cheaper conform than exclusive juicy them myself. Does any one work as the monetary planner, or work for the debt connection firm? Would it be reinforced for me to record for bankruptcy? How would my credit be influenced by both?
Any as substantially as every resource is appreciated, as we have no idea what I’m doing!
Thanks!