Bankruptcy or Credit Counseling? $80K debt?

I’ve seen the combine of people communicate this same wait person upon here. But you still am looking recommendation upon my situation. you talked to Balance: Financial Fitness which is the Consumer Credit Counsel (CCC) program. All sounded kindred to the power which would work for us, though you haven’t institute out their fees/details yet.

What would be the improved choice? CCC or Bankruptcy? (Bankruptcy is AWFUL to me?? But sounds kindred to the little people consider they do the same repairs as CCC?) you attempted to come to terms the little APRs today, though was unsuccessful.

Let me know your appearance of the situation:
,000 in Credit Card Debt
Own bag – no goal to move/sell
No Home Equity (not in this market!! geesh)
1 Car Payment (considering shopping the brand new the single in the combine of years)
Credit scores around 650
Up to fellow upon all accounts, though you only have as substantially most payments to manage????

What should you do to have the GOOD ordered devise to conduct ??
We have enough, though you have the tiny outlay bill left over? We wish to be some-more comfortable? TIA
Soooo with the scores around 650 as substantially as with carrying no equity in the bag (since you paid for during the tallness of the marketplace the year ago, :0) some one know how expected it would be which you could essentially get an additional credit label to beam these Heavy amounts?

Find out how you can be debt free in 3 to 5 years here.