Get Out Of Debt

I’m ,400 in debt on credit cards.
have a 0 car payment 0 insurance
00 rent and late on small bills.
should I consolidate debt, file bankrupt, or what?

Mike and CAthy are a couple
mike earns £28,000 p/a gross and cathy earns £26,000 p/a gross
they want to see weather the option of renting for £700 per month is the best option or simply just buy a new house which would cost £190,000. They would like to know how much you think they can borrow [...]