I'm not sure where to turn, but I don't want to ask family/friends as I'm worried how I will look in their eyes. Seems I had too much of "keeping up with the Jones'" and now I am in debt up to my ears. My problem isn't that I can't pay my debt back, I am not even late and I pay on time every month. My problem is that it is now TOO MUCH in the fact that my whole paycheck goes to debt and I don't have any left over in the end for groceries for me and my 3 small children. I'm forced with 3 options, and I don't know which is better.. 1. Get help from a debt settlement company.2. File bankruptcy, if I fit into the guidelines.3. Contact all companies and request a reduced settlement. If that doesn't work, stop paying these debts, wait until collection agencies buy them. At that time, validate the debt and ask for settlements per confirmation. I'll be honest with you.. all 3 of these options scare the hell outta me as I'm a person who always pays her bills on the 1st, even if they aren't due until the 25th. I currently owe a total of about $19,720.80 to 20 different companies. Can you please give me some advice?? I don't know where to turn!! Thanks! Erin Nickel
