I am 23yrs old my debts are from 07 i have a car repossession, 2 credit cards, a loan, a cell phone bill, some medical bills in my credit including a judgment and all that equals out to about 10k in debt. I have dreams of someday owning a house. maybe when I’m 30? but for now i would like to obtain a credit car for everyday expenses. Should i file bankruptcy? I am obviously more conscious about the responsibility and importance of a good credit history that’s why my debts are all from 2007 but idk what steps to take. should i? is it beneficial?

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I work 50+ hours a week and go to school full time. I just recently signed up for 6 classes over the summer and feel I may not have the time to balance both. I did it last semester and found myself stressed more then I have ever been. I work out as well to keep stress levels down but feel my social life is at an all time low. I have stacks of bills to pay every month and without the job I could go bankrupt. I have alot of dreams and aspirations! What should I do!? If I Drop some classes it could take me years to get a BA if I dont work then how will I pay for college/rent/bills! Help!

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