I owe 70k in debt, not including my two properties Who has the best debt consolidation program?

Consolidating does not eliminate debt. The only way to eliminate debt is to pay it off. Most of the things the CONsolidation companies do, you can do yourself. Call cc companies yourself to lower interest rates is the biggest. Start by writing down everything you spend in a month so you know where your money is going. Once you have written down your budget, look for ways to cut this back. Downgrade or eliminate cable, cell plans, gym memerships, etc. Stop eating out, cut out Starbucks. Anything that is not vital to your survival gets cut. Sell everything that isn't breathing. With 70k in debt you must have something that you can sell. And no whining. Get current with everyone Get a small emergency fund in place. $1000 or so. Then list your debts in order, everything but the house. - some say smallest balance to largest, some say highest interest to lowest. I like the smallest balance to largest, because I like to see progress. Pay your living expenses first - food, housing, utilities, car Then use the 'Snowball' method on your debts. Send minimum payments to all but the first creditor on your list. To the first creditor, send everything extra that you have at it until it is paid. Once the first is paid, throw everything at the second, and so on down the list. Just the simple act of writing a budget takes away a lot of stress. You have to tell your money where to go, or it will continue to eat at you.

I would file Chapter 7 or 13 instead.