The bankruptcy law is designed to protect and aid persons and businesses who find themselves trapped in a situation in which they can not survive without help. It  can also allow a way to restructure their debts to the benefit of themselves and their creditors. You may be able to use the law to help you out of a bad situation. Most attorneys and lawyers offer free, no obligation meetings to see if the law can help you. It may be worth a shot to see if it can help you.