I am so nervous. I have a lot of debt and I don't want to have to file bk. Especially now that laws have changed it makes it more difficult. I am usually a very responsible perosn and I hate the fact of pushing my financial responsibilities onto other people, but due to some perosnal situations I am not sure I can handle it by myself. What are my other options for getting out of debt? If anyone has suggestions I am open to them. Thank you
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