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[quote=Anonymous]Why is it people aren't advising OP to file for bankruptcy?

It seems the best option here. She's 42, single, and is pretty low income for her age.  Household income of $60,000 is below the median household income in Gettysburg PA which is $81,000.

She's in poor health and doesn't own a home, has very little in retirement savings (I presume).

She only has about 20 more years to provide for her future in retirement.

And her debt is more than she makes in a year.

This isn't the case of a two-income household making $120,000 total, being able to move to a bare-bones budget for 2 years and wipe out $60,000 in debt in two years, in order to keep the house.

It would very likely take her 4-5 years to wipe out this debt and she'd be cutting it very close to the bone. This is assuming she doesn't need to take off work or lose her job in the meantime.
In which case she WILL have to declare bankruptcy anyhow, because she won't be able to support herself on SSDI or unemployment insurance.

So why not do it now, proactively, in a way that will set her up for a better future?

The entire reason we have high credit card interest rates is because some people will declare bankruptcy. I would not feel any shame about defaulting on a credit card loan.

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