My question involves an auto loan or repossession in the State of: hi i have about $23,000 in unsecure debt, and im seeking help from a debt relief guy that doesnt use consolidation. but i have 1 secure debt that is $13,000 that i now cant afford. i want to pay off the unsecure debt and possibly the secure debt but i dont think i can do both.

so the secure debt is a motorcycle which is now worth about $6000, i was naive and bought it when i was 18 im now 19 and obviously have a spending habit on the unsecure debt, and i dont have the pink slip for it.

main problem is what should i do about the secure debt? is repossession just as bad as bankruptcy? or slightly better?

for the past 9 months now i havent used a credit card, because im stopping my habits. im also a college student and am living at home, and still have a long way for school left. i know i dont want to file bankruptcy, because some jobs want to know if you have filed or not in order to get the job.

what should i do about the unsecure debt?