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Right now I'm talking to a person with an annual gross income of around $40,000 who has $50,000 in CC debt and another $50,000 or so in other personal debts. She is asking me how to create a budget...Have any of you been in the situation of needing to make a big mental change before you try to fix the situation with a BK, but not being in a place to do that because of the mess you're in? What caused you to wake up & say, "uh, oh"?

The only thing I can advise is that you might consider posting this to the "Credit Cards and Consumer Debt" board, where lots of folks there have had to make the decision of whether to pay off the debt or file BK. They also might be able to suggest ways to speak with this person to wake them up, as most of them have been woken up:

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