Aside from catching up and paying off your bills, there is not much that can be done to eradicate debt, outside of filing bankruptcy. All of the alternatives to bankruptcy
you see advertised on television may look good, but they simply do not provide you with any leverage, and you remain at the mercy of the creditors.
Generally, the people running the debt consolidation and debt settlement businesses do not represent you. They are working for or they are subsidized by the creditors. Unlike your attorney, they do not owe you any duty to represent you or to look out for your best interest. More often than not, these programs leave people worse off than before.