debt bankruptcy
I have a lot of debt is bankruptcy the best bet?
My credit score is so low that I cannot find anyone who will help with getting a refinance on my house to help pay off. I barely break even every month and don’t have extra to pay off on my own. Most months I am in the negative not paying one bill that month to pay another and so on. Is bankruptcy the only option? I have $0.00 in credit card so the consolidation people won’t help either.
I help people with personal financial counseling, and I rarely EVER recommend bankruptcy because it’s one of the most painful things that you can go through. Don’t let someone try to convince you that it’s simple. What I would do is go and pick up the book “The Total Money Makeover” by Dave Ramsey or check out my website below for a little information on this topic. Thousands of people in similar situations have worked themselves out of debt without bankruptcy and are grateful for it.
All you need is a plan, and “The Total Money Makeover” will give you that.
Hope that helps
http://www.financialgym.org
Also check out
http://www.daveramsey.com
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