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[quote=Anonymous][quote=Anonymous]Holy Moly! that's a lot of credit card debt. I read through the thread but really didn't see how she accumulated it. Most importantly, I hope she don't go down the same path again if she has a spending problem. [/quote]

She said earlier the CC debt was a combination of lawyer bills from divorce; money for setting up her new apartment with furniture and stuff after the divorce, some just covering during a period of job loss, and helping her ill mom and her kids when they were in college.

For a while she was living with her fiancé, and I presume was able to handle the payments better at that time, but then the fiancee split and either she had to get her own place, or she was on her own in her apartment and not splitting expenses - that's when things got really dicey.

If OP has lived the past 8 months without adding to her debt, and in fact paying down the debt, I think that's a really good sign that this debt was a temporary thing where you just misjudged your finances, perhaps were dealing with a broken heart and stress.  OP, I think you are a good candidate for a Chapter 7 bankruptcy. There's no shame in it and plenty of people file for bankruptcy and do just fine after.

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