Been debating to file for the past 6 months or so, built my credit right at 18 up until I was about 24 years old with 800 credit score. Got laid off and went manic and maxed out my cards. Even if I pay off the $90k my credit is still shit now. If I file bankruptcy chapter 7 does all the credit card debt really go away? I really do want a fresh start and I will never touch credit cards again (already cancelled all my cards) My family / friends advice is mixed people telling my don’t file, then some telling me it might be a good option. That’s why I’ve been on edge about filing, wwyd?
25 years old with $90k CC debt
Looking to file chapter 7
submitted by /u/DifficultMission3873
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