MasConcepts Incorporated

Hello everyone

Im in Illinois.

I been having issues lately with loans and credit cards. First let me explain what happen. So about the end of 2024. I had severe back issue mainly the spine lower area lumbar region. I started to miss work from Nov. 2024 to Feb 2025 on unpaid medical leave. I came back to work from Feb 2025 to May 2025. Went back out on unpaid medical leave i had two spine surgeries one in June and then in September 2025. All being on unpaid leave. I came back to work on Light duty in April 2026 to almost end of June 2026. Im currently on unpaid medical leave. With a 3rd surgery coming up with a neurosurgeon a spinal fusion.

This is where my issue is due to not having an income had to take some loans out to pay credit cards have money. I was using my credit cards to pay for food and things like that. Sure got careless and stupid within those years as well. My total debt mainly from loans is ahout $56,000. I started to look at ch.7 bankruptcy. I dont own any assets. Only thing I have is car which I have leased and the pay is up to date.

Just wondering if ch. 7 the route for me.

I do have a consultation on Monday with a lawyer.

I removed any credit cards I had in my wallet as well.

Anyway let me know what everyone thinks.