As personal debt-loads continue to spiral out of control for all too many Americans, overwhelmed borrowers find themselves searching for some solution to what seems like a never-ending succession of bills and past-due notices. Naturally, the most well-known answer is still declaration of bankruptcy, but recent changes in legislation has rendered bankruptcy protection more difficult to achieve and far more potentially ruinous even if successfully undertaken. Other alternatives to Chapter 7 and Chapter 13 protection have risen the past few years