Well, I think my previous answer was pretty spot on, and I regret that you did not.
Concerning your current question, you can take the means test to find out if you would qualify for a Chapter 7 using your new income. Debt consolidators, in my view, are a waste of time, because you pay them to try to discount your debt, and that's a wash. This doesn't fix your credit any faster than does bankruptcy -- which gets rid of everything that can be eliminated, and you will know, once and for all exactly when your credit will be clean again (10 years from date of entry of discharge order) -- assuming that you don't get into trouble again.
Okay, the ya go! Good luck.
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