Before you consider applying for cash advances, you have to understand that once you get out of debt there will be another mountain to climb in terms of credit restoration.
In an action thats part restrictive/ part disciplinary, you credit rating will suffer if you have to declare yourself bankrupt. Its simply done because credit agencies keep tabs on your finances. In the same way they’ll judge someone before getting a credit card, they’ll judge you when it seems you’ve been acting irresponsibly.
This doesn’t just have affect on your personal life, as if you declare bankruptcy it could have to be advertised in the notices of you local paper (it is seen as a public declaration). Your address is listed and as a result the household also falls under the affects of a credit change. This could then affect anyone else at home if they ever want to apply for a credit card.
One positive to take away from these points is that if you manage to get yourself out of debt you should realise that you have to keep your credit in check from here on out. Lenders will seen any inclination that you need credit again as a gamble not worth their time.