The loss of your job has changed your circumstances significantly. As a result, you can't possibly keep up. This is what bankruptcy was made for. You need to STOP paying the creditors. Save that money to pay the attorney fee. Contact a bankrupt attorney. They'll need your money before they'll file the paperwork. Once the attorney files the bankruptcy notice, the creditors must stop calling you.

It will take 7 to 10 years for the bankruptcy to roll off of your credit report. But, that won't stop creditors from offering you new credit. You'll just need to start with a secured credit card and rebuild from there. Only get the credit you can afford based on your new circumstances.This is very overwhelming I know. First repent to God for getting into debt. Ask him to get you out of debt. Believe that He will do it for you and thank him in advance. Once God delivers you never go back.

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