Not being able to pay your bills is a tragic situation, but you do have options. When you have credit accounts that you can't make the minimum payments on, you might need to consider finding relief from the money troubles. One of the plausible options that you have is to file for bankruptcy. We can help you learn about the process so that you can embark on it with a good understanding.
Just to be clear -- filing for bankruptcy isn't an easy way out. It isn't an instant solution to your problems. The only thing that is quick about it is that an automatic stay is issued when you file. This prevents creditors from being able to contact you with demands for payments. This can help you relax some since you won't have to worry about answering the phone or checking the mail.
Before you file, you will have to go through an education program. Part of this is credit counseling that will help you discover if you have any alternatives to bankruptcy. It also lets the court know whether you do need to file or not because of the ability of the counselor to look for other solutions.
Once you file, you will still have to do more work. On top of the normal hearings about your bankruptcy, you will also have to go through another education program. This one is a bit different from the first and is meant to help you budget your money and learn how to use credit wisely.
We understand that this a hard spot to be in. We can help you find ways to alleviate the debts that are crushing you.