[header] How to settle debts if you cannot file bankruptcy [title] Identify your types of debts. [step] Not all debt is created equal. You might be able to negotiate a settlement with some creditors but not others. 
For example, the following are common debts people neglect to pay : [substeps] Unpaid child support or alimony. Your child support or alimony is set by a judge and can't be lowered other than by court order.