If you're reading this post, then it means you're considering bankruptcy. So you probably know what it feels like to have your debts pile up so high you feel you can't manage them. Bankruptcy can be a great tool to give you a fresh start, but there are other ways of dealing with your debt that can be better for you, and your credit, in the long run. In this section we'll explore what you can do to resolve your debt problems yourself, where you can go for professional credit counseling, and how a debt management program works.