File Chapter 7 bankruptcy. Credit "management" will do the same damage to you sm

In Reply to: Has anyone here gone through a debt management plan sm posted by Broke on Mon, Aug 15 2022 at 01:07 PM CDT:

and you are still paying.

Get out from under your debt. They don't call it "fresh start" for nothing. The only thing that would remain would be child support and IRS debt, like that.

Follow Ups:

• Can they take my car if I file Ch 7? I don't know anything about Ch 7 or 13. Thank you Broke Fri, Aug 19 2022 at 07:31 PM CDT (6)
  • You are allowed to keep a vehicle. Go for it. If you don't, what might end SM chap 7 Sat, Aug 20 2022 at 02:59 PM CDT (4)
    • I honestly can't thank you enough. Wish I could hug you. nm Broke Mon, Aug 22 2022 at 09:30 PM CDT (3)
      • You're welcome. Please don't be ashamed. When you go to the little sm chap 7 Wed, Aug 24 2022 at 12:25 PM CDT (2)
        • Also, I am merely passing on advice given to me when my check was being sm chap 7 Wed, Aug 24 2022 at 06:31 PM CDT (1)
          • Oh my goodness what a terrible ordeal you went through! I thank you so much Broke Thu, Aug 25 2022 at 07:53 PM CDT (0)
  • Meant to add the car is paid for. It's an older car but there's no lien on it. Broke Fri, Aug 19 2022 at 07:32 PM CDT (0)
• Also NO PHONE CALLS, NO LETTERS. chap 7 Fri, Aug 19 2022 at 06:56 PM CDT (0)

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