Credit Counseling Debt Relief
have 15,000 in credit card debt with new laws,
I have a personal loan mother cosign i have no
problem paying on that.
education loan of 8,000 i will pay for life but
the montly payment doesn't kill me.
The credit cards do my minimum payments are around
350 a month just on my cards. I have been making
minimums but am getting nowhere, only to have them
jack my interest rates and minimum payments. The
c.c. are killing me and with bankruptcy reform am
i able? Should i talk to a lawyer? I thought
about just trying to keep paying i am making
paymetns but getting nowhere and with reduced
income at work i may not make all payments next
month or two (then again i may) I thought about
credit counseling seems to me there all ripoffs.
Figure income is 25,000 a year i am single income
fluctuates somewhat up and down.
Am i eligible to file bankruptcy i've thought and
thought this through i need to do something.
And if so chapter 7 or 13
I have zero assets except for beater car, tv,
computer, used furniture, nothing valuable. I'd
give up all my worldly possession but the clothes
on my back to get out of my mess that is how
desparate i am.
if not bankruptcy what do i do? I'm tired of
people telling me to sell my car walk on foot, get
rid of my computer.. I'll go tight on budget but
i am not going to do without everything.
and i have no problem without ever buying on
credit again. Sure it'd be nice to buy a home at
some point in my life but can wait poor credit is
not an issue with me right now, but as of now my
credit is fair/good.