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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Op needs to see where the leaks in her budget are. I think she can still cut on some of her expenses and she needs to make a habit of it. Every extra $ earned needs to go in towards debt otherwise it would never come down. [/quote]

WHAT leaks? I'm so confused.

OP puts $2,000 to credit card + $700 car loan + $950 rent = $3650 out of $4500 take-home pay.  That's about 80% of her take-home pay going to housing and debt(including car).

She's living off of 4500-3650= $850/month for everything: food, gas, tolls and parking, clothing, shoes, copays, OTC meds, entertainment, the very occasional treat or gift.

She doesn't have room for leaks and any she could find would be minimal and not meaningful towards her debt.[/quote]

That could be true but then OP needs to work more to accelerate paying off this debt. Just by making minimum payments, it would take decades to pay it off. [/quote]

RIGHT! Now you are getting it.

That's why at her age 42, and with her health issues, and lack of assets like a house, bankruptcy is an appropriate step to take.
[/quote]

But she needs to fix her financial attitude and budget before bankruptcy, or she will end up in the same spot.  Most everything is about "how I cannot possibly cut that back or I need this car"   Thinking you can afford $700/month car payment when you make $60K is a key part of that issue.

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