Im so lost and cant afford to trust any of the "debt options" I talk to, I just need honest advice, not something to ruin me further.
My wife and I have always been financially stable, albeit a few years ago when we got hit hard with financial hardships one after another, we had to decide to put these expenses on to a credit card, it then became an issue of balancing emergency expenses between our CC and checking account, the hardships have not stopped and it has become an issue of managing money in/out, 2 cards maxed out and now my wife is on a leave of absence from work for emotional health and we are down to single income, I have gone through the budget, and have torn everything apart to realize after making all necessary expenses, bills, rent, etc we are left with around $106 after minimum payments on cards.
Im so lost in figuring out how to tackle this, and whatever form I fill out, debt relief, consolidation, bankruptcy, whatever all tells me they are the way to go and im just tired of people lying to me so that they can benefit while I continue to fall deeper and deeper in ruin.
I am planning to do whatever I can to earn a bit more money, and am also trying to help my wife get better as well, I just need real advice, real answers, and a strategy that works for me
Chase CC: $14,368 at 27.49 apr
Discover CC: $4,005 at 26(ish) apr