I have several credit cards I can no longer pay off. Any recommendations on my best course of action? I have thought of using a debt consolidation service but have heard lots of stories about how you often end up no better after using them. I do remember hearing something on NPR awhile back about a true government non-profit agency but of course I forgot the name. I’d even consider bankruptcy as this point, but my one concern is that I am a co-owner on a house. Would they be able to take that away? Any help greatly appreciated.