Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How to correct my financial situation? - Is there a bankruptcy alternative for debt relief. I do not have but two small credit cards and one financial loan. Vehicle payment is $567 a month and that is primarily the reason that I am seeking advice. I have spoke with an attorney and they said that I make too much money to file for bankruptcy. I can not claim my fiance and step son in the bankruptcy process because we are not married. I am leaning more toward a consolidation service, but I don't know anything about that type of service. Any advice is greatly appreciated... -