I have a difficult choice

Lounge
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Never mind I was just talking about my debt

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My mom picked 3 in this situation. When I was a kid I thought she was bad ass for saying no to bill collectors but all she got for income was social security

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How are you trying to get them discharged?

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I have a credit counsellor itā€™s a non profit organization. If I decide to use #2 she will deal with the creditors on my behalf. For bankruptcy she just.hands it all over to a company to do that. If I just ignore she helps with my budget

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@cbbrown all I had to do is get my pdoc to sign deferment papers and they student loans never bothered me againā€¦

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I have a letter from my Dr that each creditor will be getting

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I signed up for disability discharged but its in limbo waiting period for three years. I have to send in paperwork showing I havenā€™t worked within the last two years

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Iā€™ve been through more financial trouble than I care to discuss, but if I were in your situation, I wouldnā€™t declare bankruptcy. I would try to make tiny, tiny payments (even $10/month) if possible. If you make even small payments and they try to take you to court, you can usually argue that you are trying to pay your bill. I donā€™t know if thatā€™s possibly for you or not. Iā€™ve been slowly paying off my medical bills for ages now.

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I would choose going bankrupt.

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I would consolidate and slowly work it out.

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