which is better: filing chapter 13 bankruptcy or consumer credit counseling?

i filed chapter 7 in oct 2002. now an ex love helped to me in trouble again( around 15-20 thousand). my credit was back on track until the last 6 months and now am in desperate situation. which option would be best for my situation: filing chapter 13 or going to consumer credit counseling? i am aware both will have negative impact on my credit rating but which is worse? also, can payday loans be included in the debt listings too? i really need some helpful advice on this and has me really stressed =(

helpful advice only and please keep the bashing to a minimum. thanks to all =)
yes i do have more than financial problems. thanks for pointing that out

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