Many people who are in debt or are having a hard time paying their bills, and because of their higher income, and because they think they may not qualify for a Chapter 7 Bankruptcy, might also want to explore the possibility of a Chapter 13 Bankruptcy.   Although you might not be able to erase the debt 100% as you can in a Chapter 7, in a Chapter 13 you would be able to package the debt and pay it back over 5 years at 0% interest up to an amount you can afford to pay.  This could result in a monthly payment substantially less than you are paying now.  Feel free to contact Attorney Mark O. Grater in Groton, Connecticut at 860-449-8059 for a free consultation.