I have 50,000 in debt behind 2 almost 3 months. The best way to help my score improve. Cards are over 100% usage I am considering filing but need to know what my best route is
Don't let complete strangers on the internet control such a personal decision. Contact a professional in your area for a free consultation and consult in private to determine what is best for you.
Consult a bankruptcy lawyer who can analyze your complete financial situation and the give you all the options.
