Hello to all. I have a seriously bad feeling I need to file for bankruptcy. I am a 29 year old man living in Ohio. I have a good job, but after my Child Support and monthly bills I have literally no money to pay any of the credit card or 2 personal bank loans that have been haunting me the past several years. I rent a house where my 2 children and I live, and drive an 8 year old Tauras so it's not like I am living it up and didn't want to pay the monies back. After their mother left (we weren't married) and started taking me for support (even though I have them 65% of the time) I just can't keep up with everything. I owe somewhere around $35,000/$40,000 between 3 personal loans, and about 6 credit cards (about 50/50 split). I have been dealing with this for up to 5 years on most of these bills and usually paying them off one at time thru garnishment of my paychecks unfortunatly. Now I am to the point where anymore taken from my checks and I will not be able to by groceries for us or gas for my car to get to work (a 45 minute drive ONE way!). I make exactly $50,000 a year, and have no retirement monies at all anywhere. I also have no belongings other than our home furnishings and the clothes on our backs. I don't even have a cell phone for that matter. I do have the internet though, and hopefully it will help me get thru this with the help of people like you! I appreciate any insight into what you think I can do.
-Michael
-Michael
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