Payday loans...can they be consolidated?

Hi. I live in Idaho and I currently have just over 5,000 in credit card debt, and also 5,000 in payday loans. Someone suggested I file bankruptcy because it would take care of the payday loans, and I consulted with an attorney who then told me to tell the loan places to cash the checks I wrote and we'd include my bank accounts in the bankruptcy--so I told the loan places to do just that. Now, after talking to some other people I think it might be better (morally, if nothing else!) to NOT file bankruptcy, but rather consolidate all my debt so I can make one monthly payment.

Are there ANY places out there that will help consolidate payday loans? Or how in the world should I go about getting these taken care of? For the past few months all I've been doing is paying off just the interest/finance fee, and I can't do that any longer because I don't have enough money left over every two weeks for food/utilities/etc.

Any suggestions?

Thank you!