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What ability to you boast to pay? Have the statute of limitations run on your debt (so much time has passed that you can no longer be sued on your debt), What kind of debt do you boast? Are you currently being sued by your creditors? Are your wages about to be garnished? Is your home about to be foreclosed on?
If your creditors will not work with you or you realistically do not boast the cash to negotiate a resolution of your debts in the near future, then bankruptcy is your best solution. If you are confused what to do, then it is best to obtain a consultation together among attorney. Whatever you do, do not assassinate your retirement to give your amount outstanding.
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