I'm 29 and I have about 20k in credit card debt. Two years ago my credit score was 745 but I lost my job (44k a year) and wasn't able to make any payments on my cards and ended up maxing out my credit limit while I was unemployed. This happened in California and I recently moved to New York, idk of any of that matters. I left my car in CA, it was an old Honda that needed a lot of work and was too hard to sell before I moved across country so I left it. I have no assets other than a tv and a PS4 if you call those assists haha. It's been a little over 18 months since I've made any payments. My credit score has plummeted to say the least and I'm now trying to fix it if I can. I want to be able to finance a car and buy a house someday but this debt is killing me. just started a new job but I'm only going to be making around 22k a year. I don't want to struggle making payments each month if I don't have to so Can I even file bankruptcy? Should I? I'm ashamed i let it get this out of hand but I didn't know what else to do when I lost my job. All advice welcome! Thanks.
Submitted November 21, 2017 at 09:23AM by ScroOGe619 http://ift.tt/2hKdG1D
