3. Consider debt consolidation

If you have equity in your home, you may be able to borrow enough against your home to pay off the debts that are putting you behind and at risk of bankruptcy.  However, this can be a dangerous solution if you are not able to pay the monthly cost of the debt consolidation loan. If you can, this is a great alternative to bankruptcy and makes your life that much easier now that you have a single payment a month for everything you owe.

Brooklyn Bankruptcy Advice
Queens Bankruptcy Advice