Should I file for bankruptcy?
I’m 29, and my debt is under but probably close to 10K, much of it sent to collection. This debt includes student loans, credit cards, and my bank account balance, which was in the negative and sent to collection. I’ve been ignoring the debt for a while because I currently have no money to pay it off with. I used to be a responsible person with stellar credit until personal problems turned my life upside down. I need to recover my credit and my dignity. What should I do? And do those debt consolidation companies truly help?