I’m sure there’s a better subreddit to ask about personal bankruptcy from attorneys or financial gurus but you’re my community and I just wanna start here 

always struggled with spending stupid money because of my mood swings, mania, depression, etc but that’s been excaberated with credit cards in recent years 

three years ago I was sinking with $12,000 of credit card debt and worked my ass of to get that down to $400 in credit debt. I was so proud 

fast forward and now I’m back but even worse, about $15,000 in credit card debt spread between about 9 cards and multiple are maxed including my main bank’s card

I just can’t do this shit anymore. it feels like I’m suffocating and hella depressed. I’m completely non-functional at my full-time job where I already don’t get paid enough. I’ve been resisting every urge to just quit my job but I already wrote my resignation letter and am trying to not turn it in while I’m in a frenzied spiral 

people I’ve talked with say I don’t want to do personal bankruptcy because that will go on my record, I will have a harder time getting loans, blah blah blah. easy for them to say cause they’re not dealing with this stress and rn idgaf because banks won’t give me loans and shut anyways if I’m where I’m at now 

any advice helps. my therapist couldn’t talk with me last week because something happened and they cancelled our appt. trying to flip a switch in my head and get back on track