If I am 80,000$ in debt, should I consider a debt settlement company instead of bankruptcy?

I am in debt from assisting my son when he was off work. Helping my aged father. Also, my ex-husband was dismissed from his pursuit as substantially as right away you hit been divorcing. we am in so most debt which we am distant at the behind of upon payments as substantially as we hit as substantially most income to record the section 7. we would hit to record the section cardinal as substantially as compensate behind the allocation anyway. Would the debt allotment association be the improved option?

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