[wishbone]

I hit rock bottom on 1-20-12 had 2 incidents since then but taking steps to change my life for good.  I am in debt and may have to file chapter 13 to pay the debt off.  Any suggestions from those who have gone through this would be helpful
 Regards,Wishbonere-paying it forward

[jcwang]

First, it’s better for you to go find a debt relief company sees if they can help you to manage or reduce the debt and come up with a plan. If your debt is way too much to handle then go see a lawyer see if you are qualify or not. The restrictions for filing bankruptcy as well as an approval from a judge are getting tougher and tougher these days.

[nelly]

Try the consumer credit counselling service (Cccs) they are good they go through how much you can afford then pay off your creditors and wipe off interest you can find them online

[charles]

Hi Wishbone, it sounds like you need to get some proper advice.  There are a lot of free agencies around these days, the one Nelly mentioned is only based in the UK though I think.  If you click on the resource link https://www.gamblingtherapy.org.uk/en-GB/listresources.aspx you will be able to see many links as to where you can get local advice.  Alternatively you can connect to the helpline here when it opens later today.
Whatever you do regarding the finances of course, the most important thing is that you address your gambling, otherwise of course any financial solution would only be short term.  Keep posting and let us know what positive steps you are taking to address your addiction.

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