Before replying, I went back to search through the notes you’ve sent previously, because I couldn’t quite remember your situation. It looks like I posted a few times in 2015, then not again until January of this year. It seemed in January that you were newly motivated to grab the bull by the horns and get going on a budget or plan to get your finances squared away. But I didn’t see whether you posted specific budgets or if you got as far as opening bills and adding up the totals. That’s a big scary first step, but that’s gotta happen before anyone can really give you solid assistance.
So I guess before answering what you’ve asked below, I’ll ask you something first: are you willing to open those latest bills and statements, at least see what the current totals are, and post your current specific income/expenses? If so, we can help you wade through some options. If not, then there’s not a lot we can do except give you general support and encouragement, whatever you end up deciding (or whatever is decided for you).
My brother went through bankruptcy years ago basically because he was told that was his only option. At that time I had not yet faced my own financial issues and I’d never heard of LT, so I don’t know if he really had other options or not. I can say that if you choose to do nothing, then your choices will be made by others, and you won’t have much say in the matter.
So if you’re willing and able to start opening some envelopes and writing down totals and at least getting stuff on paper, yea we can help you sort through your options. I also expect we’d be able to see some options that you can’t currently see. I know that was the case with my finances, and that seems to be the case with a lot of folks when they first take that big step of publishing their specific information. I encourage you to set aside a few hours (or the day) to take that step. Find a sitter for the kids, call in sick for the day, and start opening envelopes and scribbling down numbers without a lot of other distractions getting in the way. Let’s see how big this monster really is. Maybe it’s not as big as you think. Without those details, and with just the general information you’ve given so far, there’s not much specific advice we can give. I hope you give it a try.