Well, about 2 years ago i joined the military. Well, when i come home from 5 months of training, I found out my ex-boyfriend had taken credit cards and max them out and never paid them off. So i paid them off with in two months. Again he did the same, and ever since I been trying to get my credit back on track, and have a well financial situation. I have recently been employed but its not enough to pay my bills off. I need some help. I want to consalidate my debt instead of filing for bankruptcy.