I'm at a loss and don't know what to do anymore. I've always made my payments on time up until May. It's finally come to the point where I'm thinking about filing for bankruptcy. I don't know if I should file (and I assume hire a lawyer) or if I should look into credit counseling. I don't even know how to file. I’m thinking about contacting Consumer Credit Counseling Services, In Charge Debt Solutions, and National Foundation of Credit Counseling. Does anyone have any experience with these companies?
The amount that I owe is ridiculous and I take full responsibility. I started accumulating debt in college and now I'm 23. Below is how much I owe:
Medical = 1,170
Loan = 11,000
Card 1 = 7,113
Card 2 = 5, 112
Card 3 = 2,100
Card 4 = 2,100
Card 5 = 1,935
Card 6 = 1,423
Card 7 = 1, 275
Card 8 = 450.42
Card 9 = 262
Card 10 = 254
I had this great job up until March when I got pneumonia and then I fractured a rib due to bronchitis. My health was horrible and I had to resign. Of course, I didn't accumulate all of this debt these past few months, but my job did allow me to make payments on all of my cards. I originally took out the loan to pay down all of my cards, but I've been unemployed (not including dancing) since then and I've been using the money from the loan to pay my cards, rent, etc. Dancing also hasn't been going so well lately, but it's not just the club that I work at, all of the clubs are in a slump lately. The only girls that are doing well, are the girls that have been at the club the longest.
When I lost my job I also lost my health insurance so now I have to pay out of pocket ($381 per month). My health insurance is so expensive and that's the best plan I can get because with pneumonia and my other illnesses (which I've had since December) I was at the doctors at least every week.
Any advice would be appreciated. If you read everything, I'm sure it was all jumbled--I hope it made sense.



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