MasConcepts Incorporated

I need advice to see if my husband and I should file for bankruptcy. Over the years, we have accumulated debt from different things/life: we had to use credit cards for vet bills when my cat got cancer, car issues, my own medical debt from hospital, running up credit cards while my mom was sick with cancer and I couldn’t work as much, having to move to a bigger space and adopting my sister after my mom passed, just a lot of life stuff happened. We also used a personal life to pay off debt but then fell into the hole again. It just sucks and now we’re playing catch up. We can pay our rent and necessities but have to pick and choose what bills we can pay. Something that has given us tiny room to breathe was joining a debt management program (it’s not debt settlement which are two different things) they helped us lower our interest rates for our credit cards and minimum payments due. It’s given a little room and helped but it’s still been difficult. We live in Florida, our projected debt pay off is 2030 and it’s around $50k.