I am in cc debt for $40k

spaccoboy, since you signed up here you will get a free consultation, or you can click the "free consultation" on the side of this page. They can review all your information and make suggestions.

spaccoboys -

Please think long and hard before filing for bankruptcy - the laws have changed in the past few years regarding bankruptcy, and it's not the "quick fix" it used to be - and it's not cheap, either - financially, or from a credit rating standpoint, either.