If I go bankrupt??? Im living off credit cards just to pay my bills! Please help!?

I am a little more $ 30,000 of credit card debt. I do a lot of money to my work now, but what I will do my bills forcing me to live my cards credit even for gas and groceries … This is the only way I can make my minimum payment. I tried debt consolidation loan, but they pay me how my work they look at my base salary and performance bonus is not my or my overtime if im not eligible A loan and nobody can cosign for me. I've never been late on any of my payments but I can not do it anymore. One of my cards Credit is a $ 1,050 payment from me by the end of the month and they can not drop one. So, if my credit will be screwed anyway, and I finally reached this point I feel Bankruptcy should be a choice. I have no disposable income and I need to start repaying my student loans which have been deferred for the last 2 years. Is this the right thing to do?

talk to a bankruptcy lawyer (believe it or not Vouchers are not always expensive). Let them tell you what you would be best for your situation. They may be able to help you get a payment plan with the people credit to avoid bankruptcy. If the credit people find that you go bankrupt rather than pay them, they just may be willing to working on something. Bankruptcy will not get rid of your student loans, you'll always pay them. Once you find that your options are then commence on the budgets and find one that you can stick with so you do not end up in this situation again. my orders collections, was when all was said and done about 25K, and I was unemployed at the time – my income fluctuates between $ 0 – $ 43k over a period of 4 years and since that time I had to get a new transmission for a car, then have a newer car used in the transmission failed lasted, it was a freaking nightmare. The majority of bills have been paid over a year period 2, then the last year and half I used to save a down payment on a house. Any way, here is the budget that I used: it was on MSN Money and it was called Plan 60/40. I can not find the link for more, so if someone else can, please post. You live 60% of your net salary. Take 40% and get rid of this way: 1 / 4 pension fund, one quarter of savings, fourth emergency fund, one quarter of funds entertainment. If you debt repayment then you divide the 40% that way: half in debt payments, one quarter to the emergency fund, one quarter of the entertainment fund. You always want to have a budget for your fun stuff because you're less likely to feel deprived and then exceeded. your ultimate goal on the emergency fund is to have six months of salary savings. The savings snowball starts very quickly. On your debt, you want to pay the debts to small First (for the instant gratification of feeling like you've accomplished something) and share your debt funds between your big things (you always want to hit the smallest debt with more money and push the debt plus minimum payments until you have no debt – again is the immediate satisfaction of getting rid of the stuff soon. debt repayment plans have more you pay the higher interest rates first items w / minimum payments will everything else, but this way you may wind up paying much more interest in something which is quite small when it can be amortized in 1, 2 or even 3 months in the other direction). If you already have something in collections and then let him stay there while you work on existing debt. Once your current debt is gone then save enough money until you have to make an offer to settle debt in collections (they continue to spread to other debt collectors who will add their own costs of the old debt and make the question seems be more than what it is. Often, if you give them the money that was owed when he entered the collections they will take it and close the account – do not give a debt collector money without receiving a receipt or document certifying that they are willing to accept the amount you offered. If you have multiple objects in the collections then DO NOT contact all together until you have the money to pay or settle with them – otherwise you risk having your wages garnished or having all come after you, at the same time when you try to avoid stress. STOP NOW by credit card. If they haved forced closure of your account and close all but one or two and put them away in a safe place you can use for emergencies (car repair unexpected visits to the doctor unexpectedly, various other unexpected Kalamata requiring that money quickly ASAP). Once your debt is gone, you can use debt funds to work on your retirement savings and regular savings or any What type of account you want to apply to. If you are already enrolled in a type of retirement plan like 401K or at work (something that takes money before tax), stay in it – that will help you with your retirement savings, but do not put too much money for it while you are debt repayment – Max it out to 10% of your salary for the time. You can increase it later, when the debt is repaid or under control. If you are not already enrolled in a while and re-register anyway, but do not contribute more than 10% until your debt is under control. In this way, it will give you a jump on retirement savings and you will not catch up too badly later. I know you feel overwhelmed now, but under some form or another is really all about the corner. just do a little research to see what works for you. Success