[quote] Bankruptcy is easy for people who want to go bankrupt. That is not my area of expertise. It's not really easy if you still have a car or your parents die or if you need your tax return in the next two years. But it will wipe out 80 grand in debt if that's the major cause of your stress. You won't have credit again for 8 years. I can tell you how to feel good about yourself and wallow in the deep at the same time. You can't avoid one, so learn the other.
May I debunk most of this? (And I know you were only trying to be helpful.) I can speak from firsthand experience. Most of what you mentioned doesn't happen with bankruptcy. I filed at the end of 2009 after taking a major hit AND losing my job, living off of credit cards and already having debt. I dragged my heels for a year because I was so ashamed of having to file bankruptcy, but I finally realized there was no other solution.
- I was 3 1/2 years into paying on a car I'd bought (on which I never missed a payment). I signed a paper promising to continue my car payments and was able to keep it. They don't want to take away your car if you can show you can pay it. No car many times means no way to get to work, though these days with Uber/Lyft, that's less true depending where you live.
- A couple months after my bankruptcy, I opened two credit cards, both secured, for $600 each. Within a year, I was approved for non-secured cards. I made sure to keep my credit card debt down and try and pay for as much as possible up front, but it was good to have the cards there for emergencies. In under 7 years from bankruptcy, I qualified for a card with a $10,000 limit. I can't tell you how it will reflect on you getting an apartment, as I lived at my same place through all of this, but I did move two years ago (8 yrs after the bankruptcy) and had no trouble. But I can tell you this- carrying $80K in debt you can't pay isn't going to qualify you for an apartment, either.
Tackle one problem at a time. The burden of debt off your back could very possibly help with some of your immune issues. I know this sounds crazy, but stress plays a HUGE role in autoimmune situations. Many years ago, I was working a very very stressful job. I came into some money and decided to quit the job because it wasn't what I wanted to do with my life and it was just killing me. I took some time off, and within 6 weeks of not working and not pushing that stress back with all my might, my immune system went haywire from being overloaded and me relaxing it for the first time in a few years. I became allergic to almost everything. I had respiratory issues. I went from doctor to doctor and was misdiagnosed a handful of times, which only exacerbated my anxiety. But once I got a handle on things (and there WAS an underlying medial issue that had caused my immune system to go into overdrive) by body equaled out. I also wound up on anti-anxiety meds (after MUCH protestation, not understanding that a chemical imbalance happen any time in one's life).
I'm not at all trying to say that your immune issues are all in your head or are only being caused by psychological issues. I believe there's something physiological happening. But the stressors that are weighing on you because you cannot get a diagnosis and treatment, COMBINED with your stressors over debt, and where you're going to live, etc. etc. I guarantee you they are exacerbating your immune problems. I know my stressors did.
So why not tackle the ones you can do something about? I promise the lessened burden will make you feel better mentally and emotionally, and could help ease some of the physical issues. Bankruptcy is very easy to do and I can tell you it will not scar you for life. We all need a hand at some point.
All the best to you. You may feel alone, but you're not.