No solution to credit card debts beats old fashioned budgeting and money management, of course, but, for borrowers finding themselves in this predicament, that's likely no longer in the cards. There are still paths out of debt that do not involve bankruptcy or second mortgages, though, and it's the responsibility of every borrower concerned about his or her family's financial well being to investigate every last one. Bankruptcy can be the only solution when all other paths have been exauhsted.I'm on your side when we find any solution that best fits your case. Don't do it alone. My websites: BANKRUPTCY. PERSONAL INJURY, WORKMANS COMP LAWS IN RIVERSIDE , SOUTHERN CALIFORNIA