I am in a lot of debt. Is bankruptcy my only option?

No. Bankruptcy should be seen as a last resort for most individuals. Considerations of debt management and/or consolidation should be assessed prior to making the decision to file. However, the Bankruptcy Code does offer protections against creditors, namely those executing valid state court judgments via wage garnishments, levies, repossessions, or foreclosures, which are not available to the normal consumer outside of bankruptcy.