consolidating car loans

Don't think so because car loans are actually considered secured debt, no unsecured debt. The only way you can consolidate in any form is bankruptcy.

how long would bankruptcy take?

Opt for chapter 13 bankruptcy for paying your car loan. Creditors will receive the payments from you set by the court and as a result, they cannot initiate any actions against you like a lawsuit, wage garnishment or even making continuous telephone calls. This type of bankruptcy is often called the reorganization bankruptcy. You can pay the debt over a period of three to five years.