I don’t want to file bankruptcy.
What else can I do?
First off, if bankruptcy is not right for you, we would never recommend filing bankruptcy.
And that would be too bad because bankruptcy is:
(1) The only thing that lets you get rid of debt without paying it, and
(2) The only thing that puts you “in charge”, instead of your creditors. Everything else leaves the creditors “in charge”.
Let’s start by making sure that something other than bankruptcy is right for you.