I am about $15,000 in debt. I am so stressed out because I can barely make minimum payments, and all the late fees have added up and they are now charging me over limit fees. thats an extra $70 a month thats adding up for three different credit cards. I am barely getting by. My wife just got her hours cut in half at work and all the bills just keep adding up and the balance doesn't go down a bit. I am trying to save and pay as much as I can on all credit cards but it's not enough. I am thinking of just filing for BK to get out the easy way but I don't even have the money to pay an attorney. The one thing that worries me is that my home is almost paid for and I don't want to loose it. I would like a fresh start, and not do the same mistake twice. My advice to all of you out there. If you don't have the cash to buy it, don't us plastic because it will hurt you if you can't manage it properly.
That feels better, just needed to vent for a minute. Please advise.
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