You can file for bankruptcy protection so long as you have a valid social security number. You do not have to be in status in order to file for bankruptcy. All you to show is that you live here in the U.S.A. Along with the social security card you must also have some kind of picture ID to show to the bankruptcy trustee.
On the other hand, if your social security card is not valid and you do not have any credit report/credit file, then it does not make any sense to consolidate the accounts if you cannot afford to pay them because if you do not pay them, the credit card companies cannot report you to the credit reporting agencies because you do not have a valid social security number.
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