ozlobin
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Most of the cards now on 30% and soon all of them going to be 30%. I'm not late on anything just yet but I used all my resourses trying to lower it so next month I can't pay most of them.
I have 50k on 5 credit cards in debt. I make 45k a year + I pay 30% salary for child support.
Plus I have unpaid (5k) car (worth 10k). I don't have anything else valuable.
What should I do? File bankruptcy 13 or 7? Negotiate with collectors?
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