SMARTFINANCESOLUTIONS.NET - Consolidation or bankruptcy?

Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Consolidation or bankruptcy? - 37k in debt do to losing my job a few years ago, 1 car repo of 4k and the rest is just credit cards and misc. all debt is within 4 accounts, i have 8 bad marks on my report, i have no cards open in my name at this point, well actually i have nothing in my name at this point. what option would have a better and faster outcome for improving my credit. i was fine before i lost my job and now im back on track and working again. my current score is 526, all because of mr. economy. now i want to fix it and get going back on the right path. so do i consolidate or file chapter 13 or 7 which ever one it is? -