To file for bankruptcy or not to file for bankruptcy… that is the question.

I am 25 and have $60,000 in exclusively credit card debt. I don’t have a college degree and I make about $25k-$30k per year working as a waiter. I drive a 2000 Lexus ls400 worth about $3k. My rent is $300 per month.

Is it worth it for me to just file for bankruptcy? It seems like I’ll never be able to pay it back at the current rate.

Also my credit is wrecked pretty hard.

I’ve never dealt with a lawyer. I was wondering how much it costs to file in Virginia typically? Am I looking at like $500 for fees or $5,000?

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