I am terminally ill and receiving Income Support for an indefinite period. I owe £10,000 on one credit card (no insurance cover) but I have other cards which i hardly ever use. I own my own home so do not wish to declare myself bankrupt. I could spread the debt via balance transfers. Would I be at an advantage or disadvantage if I spread my debt over all my cards so that I only owe about £1500 on each one ?