^ well u know what i mean i am just saying i dont thing this thread is gonna solve much.

Right-Right. I gotcha.

But its not really complaining, when the OP states:
>

If you're eligible to get a personal loan through your bank in order to consolidate your bills, then yes, I'd do it if I were you. That would reduce your monthly payments and afford you to make over the minimum payment. I don't think it's likely that you will get a personal loan though; you have to have good credit to get a personal bank loan.

If you're looking into one of those consolidation loans from crap you see on TV, my answer would be no, don't do it. That WILL mess up your credit more, because those places will basically negotiate a charge-off on your behalf for your debts, so you can pay a lesser amount back. And yes, those places are basically only out for your money.

All the stuff I said about bankruptcy was stated to be informational as a course of last resort.

If I were you I would NOT cancel any lines of credit you have once they are paid off- doing so will actually lower your credit score, regardless of reasoning as to why! Over time, slowly cancel lines of credit if you must, but you will preserve what's left of your score by just letting them sit at idle, so to speak. Also, even inquiring about any other additional loans/lines of credit will also cause your score to drop, FYI... The closer together the inquiries, the harder the hit will be. These little things don't sound like much, but when added up, they can really screw your score over if you already have poor credit...

I'm keep one credit card.. just to have it in case. It's the one.. that if I use it, it's paid off each month. But I only use it if I have to.