u/Charming-Passion-137

Hi, i’m looking for some advice and help on what is the wisest choice. I am 27 currently find my self unemployed and looking for work. I have a credit score of 600, and credit debt of around $4,600. I do not want to declare bankruptcy, I would rather be able to pay off my debts. My family is trying to pressuring me into declaring bankruptcy(also happen to be the reason for 2.5k of the debt I owe) In the next 7 years however I would like to be in a place where I can move out. And don’t want a small debt of less than $5k be the reason I cannot do so. I’m not sure what options I have or how exactly to calculate the interest of the debts and if it is worth it or not. Looking for some advice. Thank you!!

Hi, i’m looking for some advice and help on what is the wisest choice. I am 27 currently find my self unemployed and looking for work. I have a credit score of 600, and credit debt of around $4,600. I do not want to declare bankruptcy, I would rather be able to pay off my debts. My family is trying to pressuring me into declaring bankruptcy(also happen to be the reason for 2.5k of the debt I owe) In the next 7 years however I would like to be in a place where I can move out. And don’t want a small debt of less than $5k be the reason I cannot do so. I’m not sure what options I have or how exactly to calculate the interest of the debts and if it is worth it or not. Looking for some advice. Thank you!!