bankruptcy on credit cards

What is the easiest way to consolidate a bankruptcy credit cards w / out have a file?
My husband and I have approximately $ 20,000 in credit cards and I want them all on one until only one payment. Do I get a different credit card and put it all on there, get a personal Credit, or is there something else out there that can help us? We have good credit, so I do not want to ruin. Please help!
There are several ways to you in a situation like this. 1st Search the Internet for credit cards with low introductory rates on balance transfers until the amount you need. Just make sure you check what is the interest rate after the promotional period. 2nd If you own a house and $ 20k in equity, you can opt for a home equity loan apply a much better interest rate. (This is the best option 3. Contact your bank and credit cards are valid for a range of loans for the consolidation of the cards in the. 2 & 3 are the best of these options as you get a better interest rate and agreed to a really good chance because you either use your house as security or your bank may make money on a loan that helps them while you will feel good about it, so you do not want to, so will to change make it see banks. Good luck!
Dick Durbin: “The Banks Own Washington and Are Blocking Bankruptcy & Credit Card Reform” 4/29/09
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