Bankruptcy is NOT your only option. You can get your way out of anything. You just need to cut back on buying a lot of things, and only focus on your bills and of course nourishment for your body. Do it the old fashion way. Give yourself a budget for gas, food, going out,etc. And put the rest of it to pay what you owe. And eventually (meaning pending on how much you owe), you will pay it all off. Still be careful, but maybe you can have a larger budget to spend so you can do more things. Trust me, it works EVERY TIME, I promise.