Put yourself in my shoes, should I file for bankrupcy? If so, what is the benefit filing for banrupcky?
Recently a member from my church congregation gave me a brake down of my total debt and stated base upon my current salary(which alot less), I should find another option to pay down debt or to file for bankrupcy. As for as my fixed expensed: my mortgage will be pd current the month of Dec. and will call regarding my student loan, request for another forbearance plan. Also a payday loan will pay off next pay period. The only thing I have not able to pay are my credit cards because trying to get my fixed expensed paid current. Not to mention other expenses such as: car maintenance, car registration etc., overdraft bank acct, etc. Should a file for banrupkcy for my entire debt because not able to pay my credit cards. Really, I do not want to file for bankrupcy because it can make your opportunity for future finances not so great. I am also seeking a better paying job( more income). I appreciate your answers.