Should i file bankruptcy or consolidate debt of $50k on $50 salary?
Answers:
why are you 50,000 in debt when you make 50,000 dollars? sounds to me like you need to learn how to budget. and credit counseling is also considered a form of bankruptcy but they wont tell you that on their own. because thats how credit counseling places make their money..
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Is your debt unsecured? Do you have any assets? Have you tried to work with your creditors directly? Sometimes they will accept a smaller settlement, if you show you are being up front about everything. ESPECIALLY if it is unsecured debt...
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