So here is my situation: Use to have PERFECT credit years ago. Was laid off, had a child etc. and little by little over the past 10 yrs accumulated close to 45K in CC debt. There were only a few times I paid them after 30 days and missed one mortggte pmt 2 yrs ago but just over 30 days so of course my credit score has dropped to Not Good.
I have a stable job now, pay everything on time, but just feel I am never going to be able to catch up on paying these darn CC's and pay for my son's tuition, mortgage and car pmt at the same time. Wondering if Bankruptcy might be right for me?
The house is in my name only as is my car and credit cards. I wonder if I can maybe just do CC Bankruptcy but my concern is not giving up the house or vehicle as well as being able to (if I get divorced) rent a place for my son and I without being denied due to a bankruptcy mark which has kept me from doing anything.