Have you been borrowing money from your retirement to pay bills? Are you paying your credit card bills instead of your mortgage? If you are, STOP now and consult a bankruptcy attorney.
"Bankruptcy" has a terrible connotation. For most people, it means "failure." But bankruptcy is federal law that allows you to get a "fresh start" when you get to the point that you can't pay your bills. Waiting before consulting a bankruptcy attorney can cost you a lot of money.
Certain assets, like formal retirement accounts up to $1 million, are "exempt" in bankruptcy. That means that they cannot be taken from you and your dischargeable debts will be eliminated anyway. Many of my clients wasted significant amounts of their retirement before they came to see me. Don't be one of them!
Another waste of money is paying credit cards instead of making your mortgage payments. Even in bankruptcy, you will lose your home if you don't pay your mortgage. All you lose if you don't pay your credit card bills is a piece of plastic.
Don't wait until you are drowning in debt before seeing an attorney. Waiting could cost you a lot of money.