Sharone

So I have a kid going off to college next year and I am in a ton of debt. I have not made good financial choices or money choices. I've never learned how to be totally honest. Um, but that's not an excuse. I just don't, I just haven't made the good choices. And so it was recommended to me to file bankruptcy. Um, And I just need to know if that's even like a wise thing to do.

So I have a kid going off to college next year and I am in a ton of debt. I have not made good financial choices or money choices. I've never learned how to be totally honest. Um, but that's not an excuse. I just don't, I just haven't made the good choices. And so it was recommended to me to file bankruptcy. Um, And I just need to know if that's even like a wise thing to do.

So I have a kid going off to college next year and I am in a ton of debt. I have not made good financial choices or money choices. I've never learned how to be totally honest. Um, but that's not an excuse. I just don't, I just haven't made the good choices. And so it was recommended to me to file bankruptcy. Um, And I just need to know if that's even like a wise thing to do.

I have a lot of credit card debt. Okay. Walk me through your debts real quick. How much debt? Okay. So I have student loans. I know that bankruptcy doesn't take care of those.

I have a lot of credit card debt. Okay. Walk me through your debts real quick. How much debt? Okay. So I have student loans. I know that bankruptcy doesn't take care of those.

I have a lot of credit card debt. Okay. Walk me through your debts real quick. How much debt? Okay. So I have student loans. I know that bankruptcy doesn't take care of those.

I just had to buy a new car because my old car clunked out on me. That one was paid off. So now I have a car loan. How much is the car? I'm at $26,000 is what I owe my car. Okay. And then I have two civil suits from credit card companies. Okay. And how much are those? One is $9,000 and the other is $6,000.

I just had to buy a new car because my old car clunked out on me. That one was paid off. So now I have a car loan. How much is the car? I'm at $26,000 is what I owe my car. Okay. And then I have two civil suits from credit card companies. Okay. And how much are those? One is $9,000 and the other is $6,000.

I just had to buy a new car because my old car clunked out on me. That one was paid off. So now I have a car loan. How much is the car? I'm at $26,000 is what I owe my car. Okay. And then I have two civil suits from credit card companies. Okay. And how much are those? One is $9,000 and the other is $6,000.

I make $30,000 a year. I work in ministry for my church.

I make $30,000 a year. I work in ministry for my church.

I make $30,000 a year. I work in ministry for my church.

I know.

I know.

I know.

I can't. I know. Yeah.

I can't. I know. Yeah.

I can't. I know. Yeah.

I have a communications degree and a master's in education. Okay.

I have a communications degree and a master's in education. Okay.

I have a communications degree and a master's in education. Okay.

Probably about 45, between 40 and 45. Okay. Okay.

Probably about 45, between 40 and 45. Okay. Okay.

Probably about 45, between 40 and 45. Okay. Okay.

No, I haven't, but I will.

No, I haven't, but I will.

No, I haven't, but I will.