Depending on the amount of debt you have, bankruptcy may be the best resolution given your circumstances. Whatever debt resolution you choose, it will take self control to get through it, but keep your chin up and know that you can make it through this difficult time, and you are not alone. The economy has so many consumers facing tremendous pressure from debt, and I applaud you for looking for an answer rather than pretending a problem doesn't exist and trying to hide from it. Good luck, and God Bless.