Don't have enough money to consolidate debt ?

It depends on your particular situation. If you are working, then if you can't pay your credit card bills, the card companies can pursue judgments against you and eventually garnish your wages. If you're not working, or if your only income is Social Security, etc., then you could be temporarily judgment proof - but if you begin working again, those judgments could still be effect. It depends on what state you live in, and many other factors.

Quite honestly, your best recourse at this point (if you truly cannot pay down your debt) could be bankruptcy. There is still a lot of misunderstanding out there about bankruptcy - but it is far from the financial death sentence many people believe it to be. You can buy a car shortly after BK, and yes, you will find credit card companies that will take a chance on you, and yes, you WILL be able to rebuild your credit, if you know the right places to start. You can even buy a house as soon as 2 years out of bankruptcy.

Look around the bankruptcy forum on the link I'm posting as my source - the folks there know what they're talking about, and there's a great thread pinned at the top that will help you figure out if bankruptcy might be something it's time for you to consider.

Also, the credit forum on the same website is invaluable for rebuilding your credit, regardless of the path you take in regards to your debt.

Take heart. I promise - there IS light at the end of the tunnel. :)