Smart people sometimes get themselves into debt trouble. The really smart ones will figure out that they can go other routes besides bankruptcy to solve their problems. One of the best ways is through debt negotiation with your creditors. Debt negotiation can sometimes be done on a smaller scale by an individual, however, most of the time you will find it is worth getting a professional to assist you.
Professionals can provide invaluable tools to someone needing debt negotiation. They can get you the best resolution through applying their expertise in negotiation and resolution. Their ability to plan for long term solutions to large scale problems with creditors can save you from needing to file for bankruptcy and perhaps even save you money in the process.
Most creditors would rather collect something through debt negotiation than nothing if you file bankruptcy. Because of this, they will work with you or a representative of yours to resolve your case and work out what is best for all parties. Be sure that you don't make the same mistakes again if your debt negotiation goes well. After going through it once, I am sure you will never want to again.