I wouldn’t file bankruptcy, would work with my plan

I know it can be frustrating and very hard but you have to start somewhere and get a determined mind to work your way free.

Generally your bills are sold to collectors a few times before you are sued or garnished. That process can very well take years. All time to work your plan and get some of your credit debt into your snowball.

I am going to have to encourage you to take the first step of opening your bills and determine how much you owe. Also, you must make your budget, determine how much you have incoming and where it goes.