Don't borrow to try to get out of debt. It's just going to put you further in debt. I've never seen a debt issue solved with more income. It's helpful, but it's a tool in the toolbox.

My recommendation: for all your debts, call the lender and let them know of your issue. Most will work with you and take about anything to put towards paying down the debt. Then you need to buckle down on your expenses and conveniences and hold fast to a budget. You might be eating the Dave Ramsey beans and rice for awhile, but you need to get your spending in check first. If you've purchased too much house, you may want to consider downsizing to another home. If you've got a mortgage that is assumable by others, you may have a bidding war if you've got a favorable interest rate.

After that you'll need to prioritize your debts and budget. Always pay for home, food and utilities, and if you don't have anything left over, then don't pay those other debts and work with the lenders.

I don't see bankruptcy working well for you with a relatively decent salary. It sounds like to me you were living outside your means.