MasConcepts Incorporated

Hi, I’m about 60k in credit card debt. Was self employed but the business dried up after tariffs (not being political). After that I worked at Nordstrom for the holidays and have been let go. I am about to lose my mind with stress, can’t keep my head above water. I can’t sleep and I wake up soaking wet from sweating nightmares/dreams. I have never used public assistance, paid of my student loans, and never had credit cards at all unitl 2020. I am 45 now and got in way over my head when my biz was going well. I have made the mistakes and know it, but I simply can not live this way and to be honest, I have considered leaving this life to escape the stress. I’m sure others can relate. I am married, but my partner has ZERO to do with my debt, it’s ALL me. He didn’t know about it and we have NO joint accounts of any sort and I’m not on the deed to the house. I sold my car in May to get the 30K for a downpayment of 5k on a different car (payment is 1k a month on that Toyota due to bad credit) and I used the other 25k towards debt but that was just a band-aid. I have health insurance through my partner and pay “rent” to him on our mortgage and yes we are legally married. Can I do bankruptcy without affecting him? Is 7 or 13 better? Can anyone shed light on the process, how bumpy it is in Chicago? I am trying to prepare myself for this journey which seems my only way out. Please help me.