We are drowning in debt. We have cut back and cut back. There is nothing else to do--we can either stop paying the debts, they are all unsecured, we can file for bankruptcy or we can go to credit counseling. I am wondering if anyone can advise me? My wife just wants to stop paying them all. We have a house and two paid for cars. Not planning to move etc... My thing is bad credit limits up severely. Our min payments are $2100 per month. If we stop paying we'll have that much extra. Thoughts?
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