I do not need lecture and I do not want explain my situation because its complicated. Please do not judge me. All I need to know is if I use a debt consolidation program and it doesn’t work can I file bankruptcy.
Thanks for your answers!! I was scarred to ask because you see so many people making rude comments whent they do not know the entire story. THKS
I’m a 20 yr old single mother almost homeless without a job with up to 30k in debts that at this pace will never get paid and become higher every month should i file bankruptcy? what should i do? i’m desperate!
Yes i admit i was young and ignorant but whats done its done and i need a remedy so no need for rude comments plz 
did i forget to mention that i have no family and only my mom but she lives in MA and i live in MD and i have failed her lots of times so i cant go back to her…
debts are credit cards + 2 loans (car and other) i do not have a spending problem i had a nice job in the past so i got an apartment and furnished it completely and bought a car but the job wasn’t so steady and i ended up with all this debts piling up
i’m anticipating filing for bankruptcy and i cannot afford the 00 for a lawyer plus 9 for the court fees. Has any body ever filed pro se, if so how was the experience and do you recommend it? thanks. please no rude comments either, i’m going through a hard time as many americans do