In a Bankruptcy, the automatic stay goes into effect. Creditors are barred from [protecting you.

Bankruptcy can discharge debt that can not be covered in debt consolidation.

For example, back taxes owed can be paid through a Chapter 13 Bankruptcy.

All unsecured debt can be included in a Bankruptcy.

Medical Bill debt can be included in a Bankruptcy.

An individual can surrender real property and personal property in a Bankruptcy.