Bankruptcy is the only true means of dealing with debt problems. Everything else is a scam, in my opinion.
In order to obtain a Chapter 13, you must have no more than $1,081,400 in secured debt, and $360,475 in unsecured debt. Also, your unsecured debtors must receive at least as much in Chapter 13 as they would if you filed Chapter 7. If you can work out a plan to make payments towards your debts for the next 5 years, within the constraints of the above, then you can keep all of your properties and unload your unsecured debts.
Hope this helps.
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