Is bankrupcy can help?

hi im 28 and have $25000 credit card debt.

i do make $4000 net income and paying $1200 rent ,$570 car, insurance 100,util 150 , gas 400,food 400, minimum card debt 600.

now i%26#039;m married and have plan for baby. but can%26#039;t save no money at all . because of debt.

is calling bankruptcy can help? or is there any better way can reduce or avoid my credit card debt? i do make payment on time but minimum payment doesn%26#039;t helps at all. can%26#039;t pay more. please help. thank you.

Is bankrupcy can help?

Call Consumer Credit Counseling Services. They are free and will work with your creditors to lower your monthly payment as well as your interest rates. I used them several years ago and was debt free in 36-months.

It will show on your credit bureau that your accounts are managed by credit counseling, but believe me that%26#039;s a lot better than bankruptcy. Besides, you make to much money to qualify for chapter 7. You would be forced in to chapter 13 and have to repay the debt anyway.