Hey... I am a poster under a secret name who needs help!

Does Anyone have any info on Debt Consolidations or Filing Bankruptcy? I am so upset at this and honestly cannot believe it has come to this, but it is just so out of hand now... I had never had debt, worked an amazing job... but when I left my job to be at home with my child... My husband then got laid off a few weeks later... We had to Short sale our place... Moved in with mommy (which we love) and he has a great job now (well he works like crazy and gets no benefits) So we are paying for health insurance out of pocket. I just feel like EVERY check that comes in... is going out and only paying ridiculous interest rates... I need help. I totally took a hit on my credit Short Selling our place (it was only in my name) Do you think I would be able to do these Debt Consolidations or Bankruptcy? I feel like my credit is already done so maybe just try to fix it all at once? Does anyone have any advice or any info on anything like this? I cannot believe it has come so far.... but honestly this health insurance and these cc bills we have no money left for anything... and I am stressing........ We have been trying to fix it and keep up and do the right thing by paying it off but the interests are just too high... i have called all the companies already, have been on the payment plans... but they are asking for a lot of money to be taken out automatically, and not even decreasing the interest rates that much. I am pregnant and due with another baby... and I am stressing!!!

ETA we keep trying to transfer the balances for 0 APRs but we hardly get an offer anymore... and once I miss a payment by a day we are screwed....