Once you are back to work revise your budget to establish if there is sufficient surplus income to pay down the debts over a reasonable period of time.
Debt consolidation loans are one of the best bankruptcy alternatives for people with a good job who can afford to repay their debts over a reasonable period of time.
It is important to work with skilled experts to give yourself the best chance at restructuring your debt to a level you can afford under conditions you can fulfill over a reasonableperiodoftime, not to exceed five (5) years.