Hi all. So I have $47828 in credit card debt. I'm in that debt because I was irresponsible and stupid.
I am ready to change my life and be F responsible.
No emergency fund and no savings, 3 k in the bank account.
I am 28 y/o I'm making 85k a year, total take home is $5664.
I do not need people to put me down more than i am right now
Expenses:
Rent $1500/m
Car Lease $403
Phone $60
Car Insurance: $0 (Family paying
Student Loan $550 ($20 k left)
Total: $2463
Credit card debt breakdown:
Chase Freedom 7208, o% APR
Chase Saphire: 500, 23%APR
Chase business (failed business) 9444 , 21%APR
x1: 8800, 22.75% APR
Capital Venture one: 1800, 20.99% APR
Capital One: 1870, 26.99% APR
Petal: 240, 22.24% APR
Amax Platinum: 900
Amax Blue Cash: 100, 23% APR
Upgrade 1: 10000 29.99% APR Personal Credit line
Upgrade 2: 4300, 29.99% APR Personal Credit line
Citi Bank 1 : 535, 26%APR
Citi Bank 2: 0, 23.35% APR
PNC: 150: 21.99% APR
Discover: 1980, 0% APR
Total:$47828
Bankruptcy is an option? Debt payments programs? How i can get out of this grave I dug for myself?
Submitted October 08, 2022 at 11:07PM by SuccessfulAdvisor246 https://ift.tt/DxgEzZN
