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You can get a fresh start.

If you owe more than you can ever repay bankruptcy might help.  In bankruptcy you can get a discharge order that says you don't owe most bills anymore, ever.  Most people can get this in one of several ways, a Chapter 7 (liquidation) that discharges most debts, with creditors getting a small percentage if anything; a Chapter 13, in which you can make monthly payments that can include catching up past-due mortgage or car loan payments; or a Chapter 11, in which people who owe large debts or have complicated business dealings can propose a plan to pay creditors over time in whole or in part.  I've been using the bankruptcy courts to protect people and help them start over since 1989.  Call me at (410) 929-2440 for a free consultation to see what kind of bankruptcy will help you.