>>508864579
If you're just treading water on the revolving debt you should consider settling a card and use the money you were using to pay on that card on the other ones. Refinancing can be good with a balance transfer or a loan if youre able to get a better interest rate. If you dont need to access credit in the near-ish future, then a settlement can be a good option. Chapter 7 last resort if you need to. You'll be fucked on your access to credit for years, but you can bounce back later. BK laws exist for a reason and its to help people who are struggling.
To all my clients, I always suggest calling your creditors and seeing if they can offer you a better rate and letting them know youre struggling. Depending on your creditor, they may be willing to work with you before you go the debt settlement route or BK route
Wish you well anon.
If you want to do debt settlement, its better to DIY than use a debt settlement company. You'll save money that way and be out of debt sooner.