Need help with debt negotiation to avoid filing bankruptcy

I would never file bankruptcy over 6,000 even if I was out of work and had no money. Your question of what you should do is really vague. It depends a lot on your monthly take home pay and other bills you have due. For example if your monthly take home pay after taxes is 3,000 it would be somewhat easy to save up a bit of money and settle on those cards but if your monthly take home is only 1,000 then it would be very difficult after important monthly living expenses are taken out. Also, it depends on who is responsible for those cards. If they were in your ex husbands name then he is responsible even if you charged to them. If they are joined then you both are responsible. If you want you can post your monthly take home and a list of your debts for a better answer.

D&S makes a very realistic answer to your situation. Your debt is not so huge for which you need to file bankruptcy. Besides, you can't file for BK again before six years. Budget your finance and keep some portion extra for paying the debts. You will be able to manage with a consistent plan.

6,000 is not that large amount to file for bankruptcy. In my opinion if you handle your finances skillfully and pay the debt on both the cards on time, you will be able to get out of this messy situation.

If you are having problems meeting the payments, you might want to call the credit card people and see if they can work something out with you, but do not use the cards while you are paying them off. The credit card companies may require that you close the accounts while you pay these off. It is tough when you go through a divorce. When I went through mine, I am the one that got left holding all the credit card bills because they were primarliy in my name. My ex took his name off of them and it was written up in our agreement that I would pay for what was in my name and he would pay for what was in his name. Check out your agreement and see what it says about who pays for what. It might be that he is partially responsible, but to be honest, if the cards are primarily in your name, the credit card companies are not going to care what the decree says, it will be you who they hold responsible.