Between myself and my partner of 11 years we are in debt about 20K. I am undecided as to whether I should file for chapter 7 , or a debt relief company. We are both collecting ssi for my partner and myself ssdi. Any suggestions would be greatly appreciated.
Debt problems are just math wrapped in emotion. The primary issue here is if making payments would be both sustainable or prudent considering your overall situation.
To give you a broad overview of your options, you can use my online Get Out of Debt calculator.
But just based on the limited information you’ve given me my past experience has taught me that people on such income payments don’t usually have other significant resources.
So I would suspect that the likelihood of you repaying your debt using some sort of payment plan is not great.
The primary goal here should be to allow you to get back to a position where you can afford to put food on the table, maintain shelter, and keep yourselves warm, cool, and safe.
Hopefully you will be able to save at the same time.