I really need some financial advice from you guys. I know you can't decide for me, but I really need to talk to somebody.
I have gotten behind on my bills every since my mom died and having to pay her bills. ( well i finally got to file bankrupt on her stuff). Well anyway, I owe 1200 dollars with check cashing places. I make 814 per month after taxes. I went to a credit counselor to see if they can help me consolidate and they told me the best advice would be to file bankrupt or find a job that pays more. I can't leave my job cause they are paying for my school.
Me and my boyfriend are having a lot of problems. We went out of town last weekend just to get away. The room for 3 nights was 68.00. We spent totaled around 75 including the room. (we took food with us). He threw up to my face that I backstabbed him into going on our trip with my bills being behind. I told him three weeks ago how far behind I was. I did not tell him about the check cashing places. Well, anyway, the next two nights and days, I did nothing but cry. The things that he has said to me, I cannot say back. He has told me on several occasions that if I did not like the way things were, then there is the door. My supervisor says that I am obtaining alot of verbal abuse from him and that is as bad as physical abuse. She is telling me to go to a safeway house.
I guess what my question is....I have an appt on Tuesday to talk to a lawyer about bankruptcy. I feel like if I can get out from under some of these bills, I can then afford to move out. But I am afraid to be alone. I have talked to two of my creditors that I want to affirm with (car loan) and they said that would be the best thing for me. Can anybody please offer any advice for me......Should I go ahead and file and try to find me a place to live and move out.