One thing I’m not seeing mentioned here is dealing with the mental health aspect of this. The reality is that someone with $90k in credit card debt, without a clearly defined reason why (e.g., illness, medical bills, bad car accident, homelessness, helping a parent, put tuition on credit cards, etc.) has some level of mental health need that isn’t being met. In addition to reviewing the excellent options posted here and talking with experts related to bankruptcy and debt management, you need to go to counseling. If you don’t, you WILL end up right back where you started, even if a magic wand waved to get rid of all that debt immediately and painlessly.
I speak from experience. Deal with your mental health while you deal with the financial health.
Living_Internet4924 t1_iyad3fx wrote
Reply to Help! Drowning in debt. by nah_just_ocd
One thing I’m not seeing mentioned here is dealing with the mental health aspect of this. The reality is that someone with $90k in credit card debt, without a clearly defined reason why (e.g., illness, medical bills, bad car accident, homelessness, helping a parent, put tuition on credit cards, etc.) has some level of mental health need that isn’t being met. In addition to reviewing the excellent options posted here and talking with experts related to bankruptcy and debt management, you need to go to counseling. If you don’t, you WILL end up right back where you started, even if a magic wand waved to get rid of all that debt immediately and painlessly.
I speak from experience. Deal with your mental health while you deal with the financial health.