Should I do debt consolidation, or file for bankruptcy?

When my fiancé lost his job last year, I pulled out multiple personal loans to offset the loss of income. I'm now having a hard time paying all the bills, and am behind on a couple. Between credit cards and unsecured personal loans, I'm about $30,000 in debt. I really don't want to lose my oldest credit cards that are in good standing and that I've had for 10-11 years, but I'm just curious what my best option is. I live off my tips so there's no extra money at the end of the month, I don't own any property, and still have about a year left on my car payments. Would it be best to consolidate and keep some of my good standing debt, or just file bankruptcy and essentially start over? Any input is appreciated. Thank you in advance