Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Should I file for bankruptcy? - I have a job in commission sales that averages around $4000 per month. This is usually around $5000 6 months of the year and $3000 the other six. During the recession I moved out of my house and into another town in order to be closer to family for child care. I still own the house and have a tenant living there currently. I can't afford to have even one month of not receiving payment and for me to still pay rent where I am staying. I have no savings. I also now have around $21000 in credit card debt between 3 seperate cards, which adds up to around a $500 minimum payment at high rates. One of these cards I have already closed in an agreement to lower the rate 8 points. I have $17000 in student loan debt that is around 3% and has payments equalling around $250. I have a $330 per month car payment on a car that is $6000 upside down. My mortgage is $950 and my rent on the house I am renting is $675. Then there are the utility bills and my job requires a cell phone. I am living at the point where I just went an entire week without being able to spend $5 because I had 4.92 in the bank. My tenants lease is up at the end of december and he may stay, but probably not for more than 4 months. He is not really the type that would want to help me out if I went to sell my house either. I currently work 1.5 hours away from my previous home. I am lost and have no idea what I can do and there seems to be no end in sight, especially now that we have reached the slow point of the year. What are my options? My wife cannot get a job that pays more than a net outgo of around $100 every two weeks after paying her expenses and the fact that the family is no longer available for free childcare. My job is promising in that I am looking like I may get a promotion in a few years that would nearly double my pay. HELP! -
