I have $42,000 credit card debts and $10,000 of medical bill that is due. Since I had been passing through a hard time, I took few payday loans. Now situation is even worse than worst. Continuous collection calls have made me tense. Payday lenders are threatening of wage garnishment. I have to pay a lump sum each month to my ex-wife that I cannot stop; otherwise she would be going to court. I have no other way out but bankruptcy. I know bankruptcy will ruin my credit, though it's already damaged enough. Can you suggest any alternative? I don't have any property as such. What should I do now?