Well, I have a consultation with a lawyer tomorrow to go over my options. Long story short, I'm considering filing chapter 7. I have about 8000 in CC debt, two negative bank accounts from bounced PDL checks, and a 1500 personal loan, not to mention the eight payday loans that I have. I lost my job recently -- due to budget cuts, not creditor calls or anything.
What I want to know is this -- I feel really embarassed about having to file for BK. I don't want any of my family or friends to know.