I should not declare bankruptcy because it will mean years of struggle to regain a sound financial foothold. Although that foothold is very precarious at the moment, I strongly believe that other remedies must be tried first. Debt consolidation firms offer counseling services and management strategies that can provide effective, immediate, and long-term relief. Bankruptcy is not an easy way to get out from under a pile of debt. The repercussions are harsh and enduring and it should only be responsibly and seriously considered as a solution after all else fails.