I am not going to go into anything lengthy but if you have a car you have a loan on, you make sure you talk to a lawyer and see if you can keep your car and have the payments refinanced, or whatever, most of all if it is your only way to get to work. If it is all unsecured debt like credit cards talk to some of the BBB a+ agencies on debt consolidation. You can not take out anymore credit cards while in the program, but they can get you out of debt in a few years instead of 30 like some credit cards. Think about what all you have and what you don`t want to lose if you file bankruptcy. They can nore or less come into you house apt, etc and take whatever they want, depending on what state you live in..... Check some of the consolidation programds out, you have nothing to lose.