I Have A Debt / Bankruptcy Question?
Here is my story.
I am a 27 year old married mom of 2. Hubby is bipolar and can’t work. I have a few medical ailments that prevent me from working much outside of the home.
We have about ,000 of debt. Counsumer credit card, past utilities, medical expenses, etc.
We WANT to pay them off. Our problem is we don’t know if we should work with a debt consildation program or simple file for bankruptcy. Our income fluxuates from 0 a month to 00. We live in Ohio. Our rent is 5.00. We have no car payments. We own a 1982,1992,1993) We never go out to eat, go to movies, I am wearing the same clothes from when I was 18. Trust me, there is no way to cut back on anything.
I am just not sure if we can even afford to come up with a debt consilidation plan given our situation and income limits. Would it be better both emotionally and financially to just wipe the slate clean? Thoughts/Tips/Appreciated…stinky butts need not answer! THANKS!