I hаνе accumulated alot οf debt аnd I аm bearly аblе tο mаkе thе minimum payments. I hаνе seriously considered bankruptcy. Don’t know іf credit counseling οr debt consolidation wουld bе οthеr options available tο mе? I аm very frustrated аnd embarressed.
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Tags: accounts, Bankruptcy, collection, delinquent, file, order, severely
no
you can file BK any time that your obligations become unbearable [debts greater than assets and/or outflows greater than incoming, or close], as long as you’ve not filed within the statutory period since your last BK.
a BK attorney can advise you of the chances that you’ll get reasonable relief.
I know the bankruptcy laws have changed so I would look into it and maybe get a consultation with a Bankruptcy Attorney. As far as credit counseling It’s a good way to go and for the most part it doesn’t destroy your credit although with major purchases it can look like a bankruptcy.
I would be very careful with the company that you choose. We went through Consumer Credit Counseling and they did great for us. My sister on the other hand used a different agency and by the time she took her stuff back over she was worse than when she started. Be careful and be sure to research the company that you choose should you choose to go this way. Good Luck and God Bless.