It depends greatly on the sum. It is unlikely that a bank or financial company would lend you 90K with no assets for collateral (such as a home or 401K plan).
Utilizing multiple credit cards to the maximum extent is effective, provided you are not at risk of losing any assets. Filing for bankruptcy eliminates your debt, but they will pursue any assets you possess prior to the process. While this action significantly impacts your credit score temporarily, it may not be crucial unless you had intentions of a major purchase, such as a new car, in the near future.
