Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How I can solve problem about credit card debts and what effect my wife if I do bankruptcy? - I have credit card debts and did contacted company to do credit consolidate.I paid via my bank account every month for 6 months, but all the credit card companies still send me papers and I find out that consolidate company don't pay any debts for me, now my credit card depts go high about 300%. I contacted consolidate company to cancel my account and wanted my money back. They sent me check just about 2 months I paid , not all of money I paid. and my credit score is turn bad.no credit at all. (1) What I can do to solve this problem? (2) If I do bankruptcy will it effect my wife? (credit cards have my name only) -