Your first option is to work with a credit counseling service. You will have to swallow your pride and admit that you were unable to manage your finances, but they hear this every day, and many of them have been in your position before, so they comprehend what you're going through. Moreover, they are there to assist you, not to censure you.
They will assist you in developing a plan to eliminate your debt and improve your life. They will also advise you on credit and help you create a budget so that you can live a more financially stable existence.
Check with your cleric or pastor to see if anyone in the church has volunteered to assist others with their financial needs. Typically, they are a financial advisor, accountant, or another individual who has been in debt and ascended out.
You can get the assistance you require without having to stress about filing bankruptcy online, but if you do decide to file bankruptcy, you can do so without the assistance of an attorney. You can obtain all the forms and follow the included instructions to file bankruptcy on your own and save approximately 85% of what a lawyer would charge.""
" - https://www.affordablecebu.com/