To file or not to file - THAT IS THE ??

[missy2]

[vic6string]

If your lawyer tells you not to, it is a good bet you shouldn't. Remember he gets paid if you do file, not if you don't. Lawyers don't turn down money very often. Medical bills are often negotiable, try to get them to lower the payment for a while. Credit cards will work with you when nudged a little. If the person you are speaking to doesn't help, ask to speak to their supervisor. Student loans won't be discharged, so I think BK is not the option is that is the bulk of your debt. I know often times you can defer student loans (my wife won't even begin paying her loans until next Jan and she has been out of school for over 2 years. They will keep accruing interest, but they can help you get better established. Then you can go to graduated payments. I, for instance, will pay just $80 a month for a year, then $100 for 1 year, then $120, until I get to the full $250 around year 5. Call you loan company for details. Also, make sure you consolidate your student loans at one low rate if you haven't done so. There are still alot of things to do before considering bankruptcy with such little debt.

[HHM]

Just put your student loans in deferment. You can defer payment for up to 36 months. There are lots of options with student loans, try looking into "income sensitive repayment". Under that program your payment is geared toward your income.

In your case, a BK is probably not worth it. Your deficient is only $300.00. With some good budgeting and deferring your student loans, you can probably get back on track.

Any personal financial software (i.e. Quicken, etc) has debt repayment plans as part of the program that are very useful.

[HRx]

Definately explore plans/options to not file BK...........you'll be better off in the long run. However, steer away from using credit to make ends meet, when you devise a plan to pay off your debts.

Good Luck!