I am not sure what your situation is

Go to www.daveramsey.com. I am not sure what your situation is, I am glad you decided against the credit consolidation/ counseling, but you want to try everything you can to not file bankruptcy.

It is not always the answer. Most credit companies will work with you if you are willing to work with them. Also, there is a company which can offer you a loan of $5000 to cover your urgent bills or expenses.

All they want is their money, and if you contact them, set up payment plans and are paying SOMETHING, they will most of the time be satisfied with that.