I'm in over my head. Due to a crazy situation I am facing possible foreclosure, a lien on my home for state back taxes, and a gazillion creditors.
I don't know if I should file for Chapter 13, or if I should find a reputable debt settlement company. I have heard and now read about the debt negoitation companies, and I am now nervous about them. Yet, I don't know if I want a bankruptcy on my record.
Either way, I need to do something, so any valid assistance would be appreciated. I've got two girls to feed, and it keeps getting harder each day.