I really don’t want to have to declare bankruptcy, so I am looking into my other options to see whether there is some other solution that I might be able to use. I am trying to figure out whether or not debt consolidation would be a viable option for me. Is this easy to do? I want to see if it is possible to figure out how much I might be able to save if I do this, and how long it would take me to pay off my debt under the new conditions after the debt is consolidated. Is it possible to get this information somewhere?