You can get that book from the library.
Also a consolidation shouldn't affect your credit score any more than taking out a loan would. A debt settlement on the other hand is completely different than that- and it will for sure affect your credit score.
There's a Dave Ramsey Fans group on CM that can help you figure out your budget if you need help with that.
As far as bankruptcy goes- feed your family first, pay the rent/mortgage, pay for utilities, insurance, and fuel- and then work on paying your bills. If you can't pay all your bills then don't. they'll call they'll get mad. And eventually they'll probably sue you. At that point you might be bankrupt. But chances are that isn't today. And a lot can chance in the 6 to 18 months that it will probably take them to get around to suing you.
Sorry this is so long.
at 6:41 PM on May. 26, 2011