There is only one answer! Call the National Foundation for Credit Counseling at 800-3388-2227. That will connect you automatically to the nearest member agency. You can trust them! They will let you know if bankruptcy is your only option — and if so, they will recommend an attorney. But they may also help you dig your way out of debt through setting up a repayment plan. A lot depends on your personal situation. Please do this –and write back to let me know what happens. We don’t have debtors prisons in America — but being buried in debt can feel like that!