Should I file for bankruptcy?
Hello, I've been stuck in debt for a few months now..I'm about 20k in the hole..and I'm really considering whether or not I should just file bankruptcy. I'm a student and it will take me a while to pay if off..with the interest rates and all. i joined a debt management program a few months ago...but I'm thinking maybe i should just file bankuptcy instead. Can anyone tell me what's my best option?
I'm a student; 22 years old..I have a couple of student loans (not much abour 4k)
I have a personal loan at a bank..i have a checking and savings there along with an IRA I just opened. I owe about 3,500 on that.
The rest are credit card debt. What kind of bankruptcy should I file?? Should I even file bankrupty?? Thanks so much!!