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[quote=Anonymous]OP, I went back and read all the comments on this thread, because I remember it very well.
I was the posted pushing hard for you to consider declaring bankruptcy to clear your debts and start fresh.

I was arguing with one poster in particular, who felt it was entirely possible for you to pay off your $55,000 in CC debt in just three years, if you worked hard and spent 80% of your take-home pay on rent+CC payment+Car loan.
S/he said in just three short years, you would have all your debts cleared?

I thought it was highly unlikely you could sustain that level of repayment on a $60,000 income. Was I correct?

Reading your update - you say you have managed to pay off $2,000 of your debt over the last 8 months? So do you now owe $53,000 instead of $55,000?

So perhaps in a full calendar year you might be able to pay off another $1,000 of the debt. That would bringyou to $52,000 owed instead of $55,000?

I think I was correct then, that at $3,000 a year you are not going to be paying down this debt in just 3 years.

I also was concerned that you needed disability insurance and would be in big trouble if you got sick and weren't able to bring in a paycheck for a period of time. And I see from your post, that's exactly what happened.

I strongly urge you to reread the advice from earlier this year and consider bankruptcy filing. You need to start protecting your financial future moving forward and thinking about retirement, pension, social security, and an emergency savings account.

You are in a really vulnerable situation depending on your income to survive, and you have bad health and a physically tiring job.

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