I'm In the Same Boat and It's Sinking Fast

I'm going to be 30 this year and I feel so ashamed to say this but I'm on the verge of filing bankruptcy. I've been married for 2 years this april and just gave birth to my beautiful baby girl in december. Everything would be ok but I was so stupid in college and racked up tons of credit card debt that I can't possibly ever be able to pay back. I'm out of a job and we are living on one income. My poor husband can't cover all the minimum payments for my debt plus the other bills alone. I know that bankruptcy lasts for 10 years. Will the time fly by fast . Will the next century of my life be unbearable and a burden on my daughter. I don't know the answers to these questions. I'm terrified of the answers actually but I need to start over. I need to try and make my child's future a good one. I can't do this anymore.

drillgirl drillgirl
Feb 9, 2009