Hi All. I’m seriously considering filing for bankruptcy but I’m not sure where to begin. I was laid off and without work for over two years and managed to rack up around $45,000 in cc debt plus $5k in personal loans that I’d already had.
I have a car that is financed that I’d like to keep because I need it for work, but other than that I don’t have any assets as I rent my apartment. I’m caught up on my car payment.
I recently starred working again but it’s about a $30k pay cut from the job I was laid off. It’s just enough to cover food and bills, but nothing left over to tackle all this debt that keeps growing.
submitted by /u/Villaluxii88
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