If you are searching for a way to get out of debt without filing bankruptcy, please visit Consumers Debt Relief. They offer an excellent program by which they settle your debts for pennies on the dollar. You make a lump sum payoff to your creditors once and for all and get out of debt 100x's faster! I know because I did it! I was $13,000.00 in debt and I got out of debt for $7000.00 after all was said and done. I don't know about you, but that other $6,000.00 is staying with me! I highly recommend Consumers Debt Relief.