bankruptcy cccs

I need to get out of debt FAST!!!!!?
Me and my husband where going to file ch. 7 Bankruptcy, but decided not to. We are able to pay most of our debts, but it will take one by one, some will take a month or longer to try and pay. With the BIG debts we are going to see if they will settle so we can get it paid off faster. Is it best to do it this way or should we do a debt consolodation, b/c w/that I know It will not show up on your credit report paid until the CCCS gets all their money in full. Which could take years. And we need to get a house asap.
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