Some things are easier said than done. Getting out of debt is said by multiple people every day, but the reality is something different. There are numerous self-help books and motivational speakers that will tell you their program for getting out of debt. Most of those programs work. The problem is most people cannot follow them. Have you made a New Year's resolution to lose weight and get in shape. These are good and admirable goals. Unfortunately, many people start like gangbusters and within a few weeks their new resolution is a faded memory. Filing bankruptcy does not give you the option to fail at getting out of debt. You will absolutely become debt-free because you put yourself into a system that actually works. If you have debt, and feel overwhelmed I strongly suggest you consider bankruptcy. When I say consider, I mean talk with an attorney regarding bankruptcy. Don't rely on urban legends, or your friend's opinion regarding bankruptcy. Talk to bankruptcy specialist and find out how to get out of debt and keep your house, vehicles and keep everything you're interested in retaining. The fresh start is easier than you think.