New to all of this, HELP!!!

[mrskal]

Maybe you should start a new thread with your story. I think you are in a totally different position than the OP since you have a house and car to consider. They did not mention anything but CC's.

[mibankruptcy]

[deleted by moderator] we charge $1500 (in MI), the lowest I have heard is $1300 dollars, so its definitely not gouging to charge that much.

I do agree with an earlier comment though that bankruptcy does not seem it is for you. Only 10k in debt and they are unsecured.

I just joined this site but I am going to put a link to help you from debtorboards*com.

IMHO I would stop paying on the credit cards, pay my essentials and bear it with the calls. Just wait for the judgment letters and follow this guide: http://www.debtorboards.com/index.php/topic,7211.0.html.

I did not write the guide, nor do I have affiliation with the site, but it is a LIFESAVER! It is no cost to by or use these methods and you can help yourself greatly with your debt and credit.

I wish you great luck [rest of post deleted by moderator - violates forum advertising rules}