In debt really bad…considering filing bankruptcy..?
Okay, so I’m about 12,000 in debt. I have three credit cards I’m currently paying on. I called a debt counselor and was hoping they could lower my monthly payments. I pay roughly 300 dollars a month to all 3 credit cards. I only get 900 dollars a month, so 300 dollars is a big chunk to have to pay 
So any how, when I talked to the lady she said I would be paying anywhere from 300 a month to 350! That’s already what I pay now! I just thought that debt counseling or management was suppose to help people lower their payments! I’m just confused as to what I should do. Should I just file bankruptcy?
Thanks
Kim