If you want to try to manage debt and avoid filing a Bankruptcy I suggest:First -Speak to a credited counseling agency. Look for a government approved agency:
http://www.justice.gov/ust/eo/bapcpa/ccde/CC_Files/CC_Approved_Agencies_HTML/cc_florida/cc_florida.htm
Seek a reputable debt counseling firm.  Ask to see their contract first.  Ask where your monthly payment will go and when and how they pay your debts.  Ask them what happens to your debt while you are making your payments to them. Ask if there is a monthly fee.  Ask how it will effect your credit.