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Bankruptcy alternatives

I have been unemployed for about 8 months now and divorced for almost 2 years. I have just been contacted by a creditor that stems from the divorce (my ex was awarded all of the debt during the divorce proceedings). I found out that I am still legally responsible for one of the credit cards since I co signed for it and the divorce decree does not trump this responsibility. I also have a medical credit card I have on my own and since the lay off have not been able to keep up with the minimums on it. I am considering bankruptcy but am wondering if there are any better alternatives to stay afloat. The debt is over $20,000


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