Credit Card debt consolidation options - needs some insights

[FrugalSaver]

I'm doing a lot of reading on debt consolidation and was curious if anyone here has been through that and what pitfalls may exist, if it's even an option, what benefits it may provide, etc.

Total debt is about $115,000.

Total gross annual income before taxes will be about $50,000 per year from social security and pensions.  She is disabled so working is not a great option, but in a dire situation, she could but we'd like to see if we can keep that off the table for now.

House debt of $200,000

Any other expenses are largely just plain old living expenses that could be managed appropriately. Obviously, selling the house is an option as well but trying to paint a best case, middle of the road case and worst case scenario with one goal being to keep the house if possible.

[Goldielocks]

Assuming she is older, without a good, viable income now or future potential, with a debt that greatly exceeds income... why would bankruptcy be out of the question?   I believe your home, up to a limit, is not included...?

To your question, there are two large challenges.  One is just getting more debt on the credit cards despite the consolidation loan;  the second is that the rate on the loan is actually quite high.

[Sibley]

How did this individual accumulate that much debt? IE, if you clear the cc's, are they just going to run them up again?

[NoStacheOhio]

How did this individual accumulate that much debt? IE, if you clear the cc's, are they just going to run them up again?

This is the most important question. Does the debt predate the disability?

Is downsizing an option? Bankruptcy isn't a spectacular option, especially BEFORE buying a smaller or if you plan to rent, but in this case, it seems reasonable.