Get a BK lawyer and talk with them about your options. It’ll probably be a ch13 due to your income but maybe not. It’ll suck for several years. But you’ll be able to build back slowly and hopefully learn from your mistakes. Renting can be difficult for obvious reasons if you have to move but if you rent from individual owners (corpos likely won’t consider you) you can talk to them and sometimes they’ll rent to you.
Edit: if bk isn’t on the table you can also call your creditors and work out a plan to pay down the cards. This usually involves reducing your interest and closing the cards but it’ll help with the monthly.
AmericanTwinkie t1_iya8880 wrote
Reply to Help! Drowning in debt. by nah_just_ocd
Get a BK lawyer and talk with them about your options. It’ll probably be a ch13 due to your income but maybe not. It’ll suck for several years. But you’ll be able to build back slowly and hopefully learn from your mistakes. Renting can be difficult for obvious reasons if you have to move but if you rent from individual owners (corpos likely won’t consider you) you can talk to them and sometimes they’ll rent to you.
Edit: if bk isn’t on the table you can also call your creditors and work out a plan to pay down the cards. This usually involves reducing your interest and closing the cards but it’ll help with the monthly.