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It is inevitable that you will benefit from credit consolidation such as reducing interest rate and payment of the loan and therefore you still have an opportunity to avoid status of bankruptcy. What you have to do now is to fill out provided form so that you can get something effective to relieve your debt problem. Feel free to make a call when you are in confusion of debt consolidation and find out what is debt consolidation is all about.
It seems that you have to take this opportunity of getting debt consolidation effectively. It is undeniable that you will be in better condition due to debt consolidation since win-win solution is available. What are you waiting for? It is time to get something effective to get out of outstanding debt by credit consolidation.