Sell your automobile, and with your salary there is no reason why you should file for bankruptcy. You can get 30,000 in CC debt paid off in just 2-3 years, if you bear down and not use them again. Just learn to live within your means. If you don't then you will be back in the same position you are in now in 2-3 with a BK on your record. BK does nothing to treat your real problems, which is overspending.
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