Debt Relief

I called the credit counselor referral that my college/realtor friend had told us about on Saturday.  We have an appointment with him to discuss debt relief and credit counseling.  We owe a lot on our credit cards.  Over $50,000.  I really don’t want to file bankruptcy, and I’d rather pay off our credit cards.  We charged the money, we owe it.  That’s how I feel.  Even debt relief means that we pay back less than we owe, but at least it’s not as bad a hit to our credit as bankruptcy.  Dang, just a year ago we were getting lots of offers for new credit and credit cards, now we probably wouldn’t even qualify for any credit card.