Hey everyone. I’m drowning in medical and credit card debt as I lost my job as well. I just got a new job and I wanted to ask what I should expect now regarding Chp 13. I’ve talked to 2 lawyers and they said chapter 13 was the only doable option. I am wondering if I should do that, or do a debt consolidation loan, or just try to get settlements with my creditors instead. I’m so new to this and I’m lost on what to do. I’ve gotten diagnosed with an autoimmune disorder and I’m terrified. Any tips or advice is welcome. I’m around 75k in debt in all. Credit cards, loan, buy now pay later, and medical bills.
I’ve been conditioned to think bankruptcy is scary , but I just wanted to ask what you thought or if you think I should go a different route. Thank you so much everyone. 😫
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