We have all been through this process of wanting to pay the debt, but the money was just not there to pay it. I paid for much longer than I should have - and others on this forum admit it too.
But once you have determined that you must file to get your life back - why throw good money after bad? The cc's treat you exactly the same if you default on $100, $1000, $10,000 or $100,000 etc. It is not the amount that matters in the big picture. What matters is getting back on track. File your BK. Don't pay any more unsecured debt. Pay only the secured debt that you are keeping. Retain your attorney and do what you know is best for you and your family! We are here to help because we have BTDT!
But once you have determined that you must file to get your life back - why throw good money after bad? The cc's treat you exactly the same if you default on $100, $1000, $10,000 or $100,000 etc. It is not the amount that matters in the big picture. What matters is getting back on track. File your BK. Don't pay any more unsecured debt. Pay only the secured debt that you are keeping. Retain your attorney and do what you know is best for you and your family! We are here to help because we have BTDT!
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