No. of Recommendations: 2

First off, take a deep breath. You sound like you are going crazy from this. It can be handled, you just need to make a plan.

You have a decent looking snowball plan. The snowball is where you pay everything on one card to get rid of it, then move all the money to the next card get rid of it, and so on. There is an Excell spreadsheet over to the right, you put in your numbers and figure out the best way to attack the debt. I think you don't need to declare bankruptcy based on your numbers.

The second job will help. This is a good time of the year to get a second job, stores need help with the holidays. Can you sell anything? Sometimes you can raise some money and apply it towards the debt. It helps. At this point, every penny helps.

Some bits of advice. Do not be late on payments on any of these cards. They all read your report and if you are late on one card they all raise the rates. Call and ask for lower rates. YOu have to be persistent, ask to talk to a supervisor. As you get rid of your balances, this will be easier. A consolidation loan might be helpful, but you have to take care not to run up the balances on the cards again.

Again, I think you are in a tight spot, but you have the resources to get rid of this without declaring bankruptcy. It will not be easy, but you should be able to do this.

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