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credit card debt should i declare bankruptcy

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cheif13

Junior Member
What is the name of your state? NY

I have credit card debt of about 50,000 which aover half is a result of the interest, most have been bought by collection agencies and they are very tough. I don'thave the money topay1,000 a month forthe next 10 years or so, if the original cards would could work soemthingout iwould try but they collection agencies don'twantto make a reasonable offer, i think my last option is bankruptcy. Anyone know if i have time to file before the new rules laws come into play or have they started? Please any help?
 



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