I checked your credit and the good news is that you have a pretty decent score - 667.

1) The most important thing you can do right now is to maintain that score (and/or increase it) by not making ANY late payments. If you make a late payment on any of your loans, all your credit cards can and will increase to 20%+ interest rates. And of course you should stop using the cards.

2) Because of your good score, I the first thing I would do (asap) is try calling your credit card companies and asking for an interest rate reduction. They might not agree at first, perhaps because of your bankruptcy filing, but I want you to push and ask to speak to a manager. Generally they will lower your rate, sometimes dramatically (if nothing else works you might even hint that if you can’t get some relief you might have to file bankruptcy again; that might get their attention since if you did file they would not get anything back).

3) The second thing I would do is take advantage of any low or 0% interest financing options that you can find. For instance you might get offers in the mail for such credit cards which offer 0% for six months on balance transfers. Don’t apply for too many at once (it will lower your score), but see if you can’t take advantage of one or two. If you can roll over some of that high interest rate debt to low / 0% rate cards, you can lower your payments dramatically for the short term and start making extra payments to principal.

4) Your bankruptcy should fall off your credit report next year. At that time your credit score should go up dramatically as long as you have no late payments. At that time I would look into refinancing your house. Your payment seems high for your mortgage size, so I’m assuming you have a high interest rate because of your credit history. Lowering that payment by a few hundred bucks should be more than feasible in a year or two. And if you still have credit card debt at that time, rolling it over to low/no rate cards should be easier then as well.

But to your request: You want a $30,000 loan in order to consolidate your credit card debt. The problem is that no bank is going to give anybody an unsecured loan; you have to have collateral such as a CD or car or home. You don’t have enough equity (yet) in your home for a home equity loan, and you don’t own a car. Your only viable asset would be the 401k, but after penalties and taxes for early withdrawal you would not have much left, and I would never recommend liquidating retirement assets to pay debt anyway (though if you did get really desperate you could always take a loan from the 401k to pay off the highest rated debt - you’d have to pay the money back though, plus interest).

5) Check out Prosper . It’s a social lending forum where individuals can lend or borrow from each other without using banks or credit card companies; instead you borrow from Prosper as in intermediary, but really you’re borrowing from many separate individuals who bid on your loan. I’ve been a member for over a year, and it’s really great. A lot of people go there to get consolidation loans just like you are looking for. The highest loan amount you can get is $25,000 I think, and you may be better off requesting a smaller one anyway (you have a better chance of being bid on). If you go there and apply for an $10,000 loan - enough to pay off the two highest rated cards - you’d end up paying $25 less a month on those two cards combined, but the debt would amortize over three years - i.e. it would be completely paid off in 36 months rather than going towards mostly interest.

The good news is that you make enough to pay your debts each month - even though I’m sure things are tight once the bills are paid. Your debt-to-income ratio is only 36% (most banks consider 40% to be the upper limit they will allow when approving loans). I estimate you have appx $1,700 leftover each month after paying your debts and car lease payment. You are NOT going to lose your house in this situation.

All you have to do, worst case, is make it for another year until your bankruptcy falls off the record and your score goes up. Then you will be able to roll over your high rate cards and re-fi your mortgage and pay it all more comfortably. And / or you can wait until you have enough equity in your house to get a HELOC and pay off all your cards (which is only a good idea if you seriously cut up the cards and never use them again - otherwise you just end up with no home equity PLUS credit card debt). If the idea of making it one more year seems completely impossible, you may want to look into getting some part time income or taking other seemingly drastic moves such as cutting cable/cell phones, breaking your lease agreement and getting a cheaper car, selling some stuff on ebay to pay off small chunks of the debt, etc.