Im thinking of of filing bankruptcy in GA and looking to either use legal aid or a low cost attorney. I have been struggling to keep up with my debt for about a year. I lost my job about march 2025. I’m married so my husband is able to maintain us afloat. Two years ago I made two dumb decisions and got a personal loan to help pay off a medical bill and credit card debt. I also, ended up needing a vehicle and even though I had a great pre approved loan through capital one the auto place wouldn’t let me use it. When I got the personal loan it was for 3500 but now with interest and late fees plus a deferment I’m not owing 7k. My car started at 18k and paying two years I’m sitting at 16k. I have only 300 in credit card debt which I can pay once I start working again. I’m not even sure if my amount is even worth it but we are falling behind on bills again (my job laid me off) and I don’t want the personal loan company to send a summons again to go to court. I’ve cried myself to sleep over this debt because every day my car is late it’s $12 per day. It’s been terrible finding a job and I’m currently on the search. I’ve been reading about doing a chapter 7 and nothing makes sense. I don’t really have anything except the car my dad gifted me before moving and the car I am financing. I’m scared they’ll take the car I own which my husband uses for work. I know I need to speak to an attorney but I’m just scared. I have no idea what I’m doing and everyone around me keeps saying no because I won’t be able to do anything for 7 years. Can someone give me insight with a similar experience and was it worth it even if you can’t finance? I was honestly really good with my money before I had an 800 at one point. Life just happened and I lost it.
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