TL;dr I’m in a massive amount of debt at 56. For the first time, I can’t pay my bills. I’m over $75k in debt, have gone through every dime I had, am living paycheck to paycheck, and still can’t keep up with everything. I might be able to find another higher paying job., but there’s no guarantee and I’d have to pay back relocation costs. At this point, would I be better off working with a credit counseling organization , a debt relief company, or declaring bankruptcy?