I talked to an attorney last week about filing for bankruptcy, and I am feeling like such a failure. My ex husband didn't pay child support for several years and the kids and I needed things my pay check wouldn't cover, so those credit card balances just went up and up. Now I owe about $21,000 on my credit cards and see no way in the world that I can get them paid off. My sons finally talked me into seeing an attorney who told me the same thing. He also s aid I wasn't in terrible shape compared to many of his clients. But it's really depressing and humiliating to be in this position when I've always worked hard. Seems like if we work hard we should be able to make it financially, but it didn't work out that way. I've gone through credit counseling, and they didn't have anything to suggest.

So I'm really down and could use some support...or advice if anyone has any that might be helpful. With my head I know this doesn't make me a less worthwhile person, but my heart could use some convincing! I just tear up every time I think about it.

Thanks for listening...

Emily

Jen~

Thanks...my credit is great right now because I've always made the payments on time. So my interest rate is already way down there and most of the balances were transferred to those "3.99% until the balance of the transfer is paid off" special offers. But I will definitely give them a call. I'm seeing another attorney tomorrow to get a second opinion on whether this the the best way for me to go. He may have some suggestions or other options, even though I don't see any other way. For the first time ever I don't have the necessary $$ to make this month's payment. But it's always good to get a second opinion...

Shawn~

I will check into the Dave Ramsey website. Thanks for the information.

Emily

Emily, I have filled myself and I know the way you fill but Iam paying 100% of what i owe back and I have saved myself $350 a month over what i was paying out and everthing will be payed off in 5 years:). So I wish i had done it sooner instead of fighting it all these years. The way stuff is set up anymore its hard if you are on the lower end of the food chain. I need to be quiet or I'll proably makesome one mad but example cars i have to pay a high intreset rate while the better off get 0% financing...they say iam a higer risk ok i will go along with that, but didnt they even make me a higher risk by giving me such a high rate...hummmmmm......:second:

WE ARE ALL PULLING FOR YOU!!