If you have the ability to pay off your debt you may want to consider credit counseling.
I you chose to go the route of credit counseling or debt adjustment services, creditors can still sue you and garnish your wages.
It is our experience that many potential clients that have suffered a severe illness, injury, or job loss that has drastically affected their current financial situation, and Bankruptcy has become the option of last resort.
Beware of distant online firms that claim to pay your bills if you send them a monthly payment. Many will hold your money and ignore your creditors.
If you are going to try to pay off your debt we suggest you contact the local Bankruptcy Court to obtain a list of accepted non-profit consumer credit counseling service providers.