I have a lot of debt is bankruptcy the best bet?

My credit score is so low that I cannot find anyone who will help with getting a refinance on my house to help pay off. I barely break even every month and don’t have extra to pay off on my own. Most months I am in the negative not paying one bill that month to pay another and so on. Is bankruptcy the only option? I have $ 0.00 in credit card so the consolidation people won’t help either.

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