I’m 75K in credit card debt. My take home pay is 3136 a month. My monthly expenses plus credit card bills equals 3172. I have $900 in savings. This doesn’t include my $5100 tax bill due in 6 months or groceries. I’ve been barely able to make ends meet and I put groceries on my cc. Now I am completely maxed!
I don’t want to lose my home or my car. I have a good credit fico score in the 700′s. I need to do what is best for my family. Should I claim bancruptcy? What are the options? I called an attorney a couple years ago and because there were no missed payments, I was told that it was not necessary. Everything is payed on time at the minumum amount. I cannot even afford to purchase my children clothing. I’m stressed, I can never go out with friends to eat or anything that involves money. I really wanted to be able to handle this on my own. I don’t want anyone knowing this secret I’m holding in.
Thank you for your time
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