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Too Many Bills
I don't know what to do anymore. . I have too many bills and I am having problems keeping up. I have school loans that have attached my wages at 15%. I owe them about 20,000. I also have an accident where I didn't have insurance. My linsence is supsended, and I need it back. the accident is also 20,000. My electricity bill is about 1500 and is almost going to get disconnected. I also have IRS about 1500. Gas company about 500 and the credit cards about 3000. I am a single Mom and also need to pay for my son's child care, rent, food, phone. It is getting really, really hard to keep up. What can and should I do? I want to clean my credit report which is horrible, but with all this how can I?
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Bankruptcy
You certainly sound like a candidate for bankruptcy. You should be aware though that your student loans and tax debt would not ordinarily be dischargeable; you should specifically discuss those obligations with your bankruptcy lawyer.