Does anyone else have an answer?

That is a good question! Does anyone else have an answer? My situation is that I have a lot of debt.

NOTHING is past due… yet. But we barely are making ends meet and are at the point that when we do serious grocery shopping it gets put on plastic. What do I do? I have heard more times than not that credit counseling is bad news on your credit report.

I keep thinking that bankruptcy is going to be the answer. As soon as I start to think that way I try to make things work, but they just get worse. My husband and I make a decent living but paying over $1000/mo in credit card bills is killing us. Any suggestions?