Bankruptcy? Or Credit Consolidation? Need Help!!! Thx?

Hey Guys we need assistance upon this…

I have the assets debt of ,000 in tyro loans & credit label debt. My bi-weekly income is around ,700, however, with profitable subsistence as well as alternative vital expenses, we do not have any income left to compensate off the debt as well as the credit garner up agencies have been after me. Should we achievement for country thirteen failure or is there the move to get the 1 low monthly remuneration but any seductiveness for me?