Bankruptcy Or Debt Relief?
I don’t know if I should file for chapter 7 or use a debt relief agency, I owe around 15k in unsecured debts, and 80k in student loans. I’ve started filling out the paper work to file but, I’m having second thoughts.
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Bankruptcy will not do anything for your student loans. See if you can get your student loans deferred for a bit and work on getting the other debts paid off. Debt relief is going to mess up your credit too. If there is any way you can work a second job or make cut backs to keep caught up, do it.