Evidently they need to find a way to eliminate their debt before the forced into bankruptcy?  Getting a  consolidation loan is the most commonly used option.  Trying to get qualified for a consolidation loan is going to be very impossible especially with the high amount  of debt already owed .
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It can cause a lot of headache trying to achieve this on your own.  Being buried in debt makes it hard to maintain a decent score.  Yet some agencies do not care about any black mark on your credit report, they can aid  you in getting out of debt in as quickly as 12 to 36 months.
Those that get government help with credit card debt are getting trusted help from those that  live every day dealing with creditors so that individuals like you can get the better rates that you deserve.  Your situation will only get worse when you stay  buried in credit card debt. You should get the government help with credit card debt you need before it is too late. pangee