Do you have a small business in your own name that would be successful if it only got a break from its debts? A Chapter 13 case would likely greatly reduce both your business and personal monthly debt service while you continued to run your business.
Powerful Chapter 13 gives you tools to solve your mortgage problems from a number of different angles. Plus it gives you other tools to deal with tax, support, and judgment liens on your home.
My own professional experience about the dangers of filing bankruptcy without an attorney is validated by carefully analyzed data.
Yes. If you are making payments to creditors under a debt consolidation plan, you still owe the debt until you have paid it in full. Thus, you can include your consolidated debts in your bankruptcy, and they will be discharged, assuming they are dischargeable on all levels.