I have enormous cc debt to the tune of about 65k and personal loans of 40k. I make around 185k a year am barely able to pay all my bills each money. i am basically left with nothing after everything is paid. I have been looking for a second jobs for months, but for some reason i have not been able to land anything. even tried to door dash for $4 a trip. since my cc are all maxed out and im underwater on my car would it be wise to do a BK7 or attempt to get a debt consolidation loan? Mortgage is $4500, CC/personal loan payment are $3600, car is $1000 (ive tried to sell but its so far underwater), child support payment is $2100, and utlities are $700 a month
original posted by More_Chest9386 to r/personalfinance on Fri, 05 Apr 2024 15:28:11 GMT.