53, steady income 57k, additional income from roomate of 25k, only assest 2008 car, mortgages 324k, cc debt 28k, 80k in retirement but no savings.
Considering chap7 to eliminate cc debt.
Current but struggling due to additional income of roomate has decreased due to medical problems.
household expenses and mortgages are consuming most of the current household income.
very frustrated and confused if i should not pay for groceries and never save or pay credit cards.
have not used the cards in for about a year. just wanted to pay them off but i am really struggling.
tried to borrow from relatives but they tell me to just file chap7 and wipe out debt to start clean now and save for future.
confused….need advice as to weather i should file or not.
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.Struggling, No Savings, and Family is Telling Me to File Bankruptcy. - Kimberley by Steve Rhode