Do you not want to file for bankruptcy but have a lot of debt? Here is a list of 9 things you can do to dig yourself out of debt.

1. If you don't have a job you need to get out and get one. If you do have a job and are still in debt get a second job. You can use the money from the second job to pay off your debts while the first job is paying the mortgage, car payment, etc.

2. Make a list of all of your debts. List those debts in order by the interest rate you are being charged. You should, obviously, pay off the highest interest rates first and the lowest last.

3. One of the worst things you can have if your in debt and don't want to file for bankruptcy is credit cards. You should not use any credit cards immediately otherwise you could get into worse debt. You may even want to destroy all your cards and only keep one or two for emergencies.

4. If you have a lot of loans it would be a smart thing to consolidate them. If you get a consolidation loan you will get a loan that will pay off all of your debts and you will have to just make one payment to pay for the consolidation loan. The new payment you will have to make towards the consolidation loan is usually a smaller payment with a much lower interest rate.

5. You should set up a repayment plan. If you don't want to file for bankruptcy you will need to cut back on all expenses and use any extra cash to paying of your debts. As explained in step 2 you should pay off the highest interest debts first and the lowest later.

6. You may want to consider using the services of a credit counselor. There are two types of credit counselors, there are profit and "nonprofit". There really is no difference between the two as the do the same services for you and they both charge a fee for their services. The good thing a credit counselor does is they can assist you in getting good discipline over your money.

Many people do not understand all of the things that become involved if they get a credit counselor, here are a few:

-It will impact your credit rating. This is a good thing because the credit bureau will record that you have a plan in place.

-Your payments should be high enough to start to reduce your debt but not to high that you have no money to do fun things every now and then.

-You should set up a term of around three to four years. This will allow you to pay off your bills accordingly. Any term that is longer than that usually fails because it seems like you are always paying off bills and not enjoying life.

7. In certain cases you can take with your creditors and set up an organized payment plan that will allow you to pay of the creditors and still keep your credit rating high. This is very similar to a debt consolidation loan except this way you do not borrow money but simply pay the money to the creditors.

8. Creditors will often allow you to have a relative pay a lump sum to the creditors of something around 50% of the money owed to pay off the debt. Creditors will often allow this over you filing for Chapter 7 bankruptcy.

9. The final thing you can do if you just can't pay off your debts is file for either Chapter 13 bankruptcy.

You are a candidate for filing Chapter 13 bankruptcy if you match any of the following situations:

-You want to pay off your debts but need the protection of the bankruptcy court to do so.

-You are behind on your car loan or mortgage and want to make up the payments over time and still be able to reinstate the original agreement.

-If you fear you may need to file for Chapter 7 bankruptcy in the future but just need help repaying your debts now.

If none of that helps you get out of debt than you can file for Chapter 7 bankruptcy and get out of debt quick and have a fresh start.