My question involves bankruptcy in the state of: Arizona
I am deep in debt. The debt I accrued was not excessive given my previous occupation nor the direction my future was heading.
4 years ago I owned a business for about 16 years. I made roughly $75-150K per year. I sold the business, and moved to another state to undergo training for a new career - I guess a mid life crisis. It was lengthy training and I was in the final stages when a disaster hit involving family having a stroke, needing care - its a long convoluted story but anyway - I needed to resign from the training right near the end. As a result the training I was underwent is of no use to me, and due to a non-compete clause with the business I sold, I have not returned to my former occupation. So anyway I resigned from training and returned to the state I owned the business 6 months ago
So I found a job, it is day to day - not steady work. I have averaged a meager $1300 a month.
I did not reign in expenses during my training - I was used to the decent salary I made 16 years prior and the training I was getting when completed would have allowed me a similar income (or more), plus I made decent salary while doing the training (~$53K)
Up until the last 4 months I had never missed a payment on anything and had a great credit score. Now I have missed 4 consecutive mortgage payments on my old house and 4 months of credit card payments. Last spring I made some large purchases on the credit cards (like $25K) - manageable based on the past 20 years - but now completely unmanageable.
I am not sure what to so. I get 20 or 30 calls from creditors each day. I am barely covering some basic rent and food for me and my family.
I want to break my non-compete clause (1 year left) and make some money. The job market is tough.
I don't even have the money for a bankruptcy attorney and not sure if I should consider that.
I guess I should formulate a question .... ok... any advice on what to do? Sorry this is so poorly organized.

