r/debtfreeliving

I am 50k in credit card debt and it’s really difficult paying this off. I am a 37 year old male making a little under than 100k per year with about 10 years remaining on my mortgage payments. Most of my income the past 5 years has gone to paying off credit card debt and transferring debt to 0% APR credit cards is getting old and difficult to get due to my overall credit score being the lowest it’s been.

Any advice on what I can do? I am a father of 4 and can’t really afford to just cut off expenses, which I already have to an extent. Is bankruptcy something that makes sense at this point? If so, what are the negative consequences of doing so?

All together i have about 5k in total debt. I get paid about 2800 per month. I live payday to payday and i’m struggling to snowball my debt downward. I have no emergency funds and i have no idea what i’m doing.

I’d like tips on what worked for you, apps that helped, books, podcasts. I’d like to nip this in the bud before it’s uncontrollable.

Cant work so like obviously it’s just going to accumulate at a rate I could never keep up with. Have a 660 credit score with 16k in debt NOT INCLUDING MEDICAL which will be practically endless at this point. Whats my best course of action only been denied one loan so far that was just me applying online tho.

Is getting a huge unpayable loan my only option?

Pending SSDI only a year in unfortunately

I fell into the quick loans trap and their not all tribal loans some are legal but the interest is just insane it’s advanced America, credit ninja, tbo bank, speedy cash, cashnet USA, and spot loan.
They all add up to around $8,000 in loans and idk if I can revoke ach without getting sued or what I can do. I was just wondering if sombody on here could help. It’s just taking over my income I can barely afford anything because of the high payments twice a month