I owe a debt of $1216.67 right now and I have NO money. My licence is suspended and I will be arrested if it isn't taken care of very soon. My total amount of debt in my name is $19667.85. Those bills consist of a car loan, personal loan, 2 credit cards, a Dell computer, a bank account in serious overdraft, a hospital bill in collections, hwy tickets, and a collection from Progressive Insurance. Please help me! I have nowhere to turn and I do not know what to do besided file for bankruptsy!!! :cry: