What is the best way to consolidate credit card debt? A personal loan with a bank?

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1. Depends on your credit score and or your collateral.
2. You may not be able to considate the credit card debt.It depends on your credit score and whether you have assets to use as collateral on a loan.A personal loan will get you a little better rate but if you are behind, you may not get one. Best thing to do. Take your highest interest credit card. Pay that one off first. Min payments on the rest. Once that is paid off do the same thing to your next highest interest credit cards. Continue until they are done. Then get rid of store credit cards and limit yourself to 2-3 credit cards.
3. Well, bank loans cost more because of extra costs. But the good news is that they may give you extra time to pay off the note. If you go this route, tear up the credit cards and keep only the one with the lowest credit line. That will help keep you from going overboard. And pay it off every month. Don't close any of the accounts that you have left over. Leave a little bit in, and pay off those amounts. This at least gives you a better credit score.
4. I am assuming that you want to consolidate is to try to pay it off and save some headache that making payment to more than one credit card company. So here it goes.... If you have great credit score (700 and above), try to increase your credit limit with your existing credit card company, that has the lowest interest rate. Also ask them if the have special balance tranfer interest rates. Sometimes they have 0% interest for a period of time, like 6 months. But there is always a small one time fee like 3% of your total balance tranferred. Do remember to stay with your credit limit when you do the balance transfer, and do not max it out. Of course you can try personal loan also, but not too many banks offer personal loans. I would try the special 0% interest rate for balance transfer with existing credit card company as I described above. Good luck!
5. refinance if you own a home. If not, I would not recommend doing that. It's looks just as bad, or worse then BK on your credit report. Try paying them down o doing some balance transfers to 0% cards good luck :)
6. Bad credit debt consolidation loans are quite popular with those with poor credit history. If your loan application is rejected by a lender, bad credit debt consolidation loans are there to help. If you want to repair your credit history by repaying a loan, which has simple terms and low monthly installments, again bad credit debt consolidation loans are for you. They save you after rejection and help you regain your financial credibility, so that you can again enter the mainstream credit market. Bad credit debt consolidation loans are of two types: 1. Secured bad credit debt consolidation loans: These types of bad credit debt consolidation loans are secured by a collateral usually some property or a guarantor. Since, the lenders find something to bank upon in case you default on payments, the interest rates on secured bad credit debt consolidation loans are cheaper, the lending amounts are higher and the repayment period can be long. 2. Unsecured bad credit debt consolidation loans: Persons who do not have anything to offer as the collateral or security, can take unsecured bad credit debt consolidation loans. The lenders find themselves at increasing level of risk while giving such loans. The existing bad credit situation and lack of a collateral, make them charge high interest rates and offer low loan amounts to offset the risk involved. But, a person who has a bad credit and cannot provide a collateral has little choice, but to take these high interest loans. At least by repaying these the borrower can rebuild his credit history. Read more from: http://www.credit-card-gallery.com/article/198,Get_over_bad_credit_problems_with_bad_credit_debt_consolidation_loans
7. Credit card debt consolidation adds up all your unpaid balances and converts them into a single payment. This payment is far lesser than each of the individual payments. When you finalize a plan with a debt consolidation company, the company repays your dues to your creditors. Then you make a single payment to the consolidation company every month. Your average new interest rate is much below the old interest rate. All credit card debt consolidation loans include some type of credit card and debt counseling. You have to trim your lifestyle to eliminate unnecessary expenses. This will allow you to set your house in order. But this necessary, as the ultimate goal of debt consolidation is to help you out of debt, while keeping your home.