Need Advice, thinking about filing Chp. 7

Hey guys, Im really thinking about filing chapter 7. I currently owe 34k in credit cards and also have personal loan for 8k. I'm barely able to make payments and I really need some relief. It gets very stressful. Will filing bankruptcy help my situation. I just want to be able to start over. I have 10 credits cards and mostly all of them are maxed out with my nfcu with the highest balance of 13k. Any help would be appreciated. Thanks  Credit Cardsamexchaselowesamazoncare credit targetdiscovercredit onecapital onenfcu Personal loanavant credit

iamkeithj wrote:
Hey guys, Im really thinking about filing chapter 7. I currently owe 34k in credit cards and also have personal loan for 8k. I'm barely able to make payments and I really need some relief. It gets very stressful. Will filing bankruptcy help my situation. I just want to be able to start over. I have 10 credits cards and mostly all of them are maxed out with my nfcu with the highest balance of 13k. Any help would be appreciated. Thanks  Credit Cardsamexchaselowesamazoncare credit targetdiscovercredit onecapital onenfcu Personal loanavant creditGet on Excel: 1. Write down every signel debt you have and the minimum payments for each2. Write down how much you have of income coming in per month3. In a perfect world, you should have more income coming in vs debt (example: $3000/month from paychecks vs $2500 in bills/debt)4. If you have extra after paying all your bills/debt, put that towards the cards5. Try to find a part-time job to help you get extra cash In my opinion, i think is better to work two or three jobs for 1 to 2 years maybe 3 or 4 years and pay all that off or most of it, vs filing, which will stay in your credit for 10 yrs.  Do you live alone? Maybe you can find a roomate so you can pay lest rent and put the rest towards the cards?Craiglist has a lot of gigs for work doing anything, from delivering stuff to admin typing letters, helping people move on weekends, etcHave you thought about getting a loan to pay all that off? maybe asking your parents to co-sign to get a good rate I would do CH7 only if it's the very very last option.  Although it will clear you from debt, it will follow you/hunt you for a while. Good luck!!

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