Debt consolidation or bankruptcy - Which option will suit me best?

Hi, which one is beneficial – bankruptcy or debt consolidation? I was ill a few days back and was in the hospital for bed rest for over a month. Due to this, I've accrued over $20,000.00 in CC debt with a few credit cards. Now the creditors are calling me and sending letters. Should I file for bankruptcy or do a debt consolidation? Any advice would be appreciated!
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