Hello - I need some of advice. I'm so much in debt and me and my husband have been working very hard but we just can't pay our bills every month. we always run short anywhere from $900-$1200 dollars and we end up using our credit cards. now they're all max out. I'm facing a serious problem I'm thinking about filing for bankruptcy but not sure if this is the best thing i can do or would it be better to work with a debt settlement company where they cut your payments by 60%. Would appreciate the feedback whoever has been through this difficult times.
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