I've been under AKPK before but after a few years my payments defaulted but I eventually paid off the banks on my own.

Now I've managed to get new loans and cc but I know it's going out of control and getting harder for me to pay off due to personal issues and a side business I'm trying to start. I called AKPK and asked if I could join the program again and they said there's no promise that my application will be successful but I can still try.

What do you guys think? Besides AKPK how can I consolidate my debts? Any advice from sifus?