MasConcepts Incorporated

I’m in a bad spot. I’m in 30k of credit card debt. A lot is from unplanned expenses like pet and car emergencies, and a lot is from underemployment and rising cost of living. I made good money but now I’m out of work with a work related injury and I’m having to fight to get temp disability. So right now I have no income and I’m living off what I could pull out of my 401k. Not ideal, I know, but I had no other choice. I’m living as frugally as possible. My minimums are 1300 a month and I owe back taxes from 2016 of about 11k left. I also have 17k in student loans. I’m facing at a minimum a few more months off work with no idea when or if I might be paid so I’m now considering bankruptcy. I did get a work comp lawyer but it’ll still take time. My parents filed for bankruptcy when I was young and I remember it wrecking our lives. From reading experiences here is seems that’s not the case anymore? I’m distressed and sad that it’s gotten to this point but I need that 1300 a month to survive, especially since I will likely need to leave my current living situation soon (abusive relationship). I’ve only stayed this long because I didn’t see a way out financially. We are not married and I’m not on a lease. My credit is already bad even this I’ve not missed a payment for anything in 8 years. Can anyone tell me this is not going to ruin my life? Will I be able to rent an apartment? I am financing a car that has about 8k in equity but I need it to get to work when I’m able to go back and to get to doctors appointments. Help what do I do? 😓