Welcome to the forum! Depending on the type and amount of debt you have, a debt consolidation or debt settlement program might help you avoid bankruptcy and get you back on track.
If you haven't done so already, I would suggest registering for a free, no-obligation debt consultation that this forum provides. A debt counselor will contact you and discuss your situation and the options available to you.
I hope you'll continue to post and keep us updated. This is a wonderful place to seek advice and support, as many forum members have or are currently going through the same things.