I would advice against the bk but try to do a debt settlement. You should be able to settle for about 40-60% of the total debt and it will hurt your credit a lot less.
get a job.
stop paying your cc.
save up as much as you can and offer a settlement. (i would only settle though if you can settle on all accounts at the same time.)
get a job.
stop paying your cc.
save up as much as you can and offer a settlement. (i would only settle though if you can settle on all accounts at the same time.)
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