I am a widowed mom of a teenager daughter. I am disabled (not legally yet, however, because I collect SS from husband death benefit, which will end next year). I own a home (mortgage), lease my car, and that's about it. I have about $12,000 in credit card debt, however, I can't pay it each month. My health insurance, mortgage, car payment, real estate taxes, etc., are killing me, and I don't earn much else on my own. I'm debating if filing chapter 7 would be wise to do. It won't solve all my financial problems, but will help with a few hundred each month. And either way, my credit is bad anyways. Any input would help. Thank you.
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