Is my situation as bad as I think it is?
Hi guys, I’m coming on here to find some feedback from any and everyone that can give me some insight on my situation, ideas on how to get out of this hole i’ve dug myself into and also to gain some perspective on the actual severity of it. Basically over the past year and a half I managed to max out the only 2 credit cards I have. I have always made the minimum monthly payments which isn’t the wisest but I am a single mom so it feels like as life got more expensive recently I just didn’t think I could do it without some help. One of the cards I owe 6,000 on and the other is 1,700. I use to work in dentistry but I hate to admit it- the benefits are awful in my state and the pay just wasnt enough to survive. So I’m back to waiting tables like I did from 16-21.. I just dont know how I’m going to get myself out of this one.. especially with having a pricey monthly car payment and paying daycare etc. and pls keep it honest, you wont hurt my feelings. I know this is the most financially irresponsible I’ve been.. I just want to get out of this in anyway I can. I’ve even seen some posts saying if you’re young screw it just file for bankruptcy but my cousin said absolutely not. help.