Filing for bankruptcy isn't anything that you should be ashamed of. Instead, this is a way that you can improve your finances and take control of them again. There are many reasons why people need to file for bankruptcy; however, most of these don't have anything to do with using credit irresponsibly.
We aren't here to judge why you are in need of financial relief. Instead, we are here to help you learn about the options you have and to take action on your behalf to get the process started.
There are a lot of things that you need to consider if you are thinking about filing for bankruptcy. One of these is what chapter you need to seek protection under. A Chapter 13 bankruptcy would require you to make payments to the court to repay a portion of the debts you have. The other primary chapter is Chapter 7, which liquidates your assets to repay the debts and then whatever isn't paid is discharged.
You need to think about some very specific points, such as your eligibility for each form of bankruptcy. We can help you to go over these points, as well as discussing your responsibilities with you so that you know what to expect during the process and after.
It is important that you think about your assets when you are trying to decide what you want to do. This, and how the filing will impact your credit, might be the biggest considerations you have when you are trying to decide what option you want to pursue to take control of your finances.