I don't want to file for bankruptcy :( only choice?

You need to contact a local bankruptcy attorney to find out what your options are. Most will see you free the first consultation. They will look at your debts, ets, income for the last six months and taxes either 3 or 4 years, after reviewing they will be able to tell you what you qualify for. You can get more bankruptcy information at www.usbankruptcy.gov Excellent site for information on each chapter of bankruptcy, how it works and what is required. Good Luck!