Personal loan to consolidate my debt or declare bankruptcy? | Debt ...

I've seen people who claimed bankruptcy over student loans (when that was still an option). Tell you what. Most of those people say they regret it. Bankruptcy will affect your life for the worse for a long time. Chris C says: September 2, 2009 at 3:32 pm ... If you can't get a consolidation loan, you need to create a strategy to pay down your debts. Google search "DEBT SNOWBALL". This is the best and most widely used debt management/reduction strategy on the planet. ...