Continue writing the next sentence in this paragraph:

How to settle debts if you cannot file bankruptcy
Identify your types of debts.
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 : 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.