I m in debt up to my eyeballs12/12/2023 And there is no way to keep current on my payments and not use credit cards for 90 days, leading up to filing - I'm not buying luxury things, I'm literally buying groceries, gas and paying my cell phone bill. So.each month I go more and more into debt. I use my monthly salary to pay the minimums and rent but I have to use my credit cards to live, perpetuating a vicious cycle. Given my current situation, my unsecured debt payments are equal to $2,000 a month, give or take. I also live in a terribly expensive city (Denver) and I also made some poor spending choices. I couldn't work OT because there was none available and I was in a labor intensive grad school program (however, this winter, I did it to make ends meet so that I could pay the minimums on my bills). I am also a healthcare provider at a local hospital. I started grad school in the summer of 2018. I'm embarrassed and ashamed to be 37 years old and in this position.) Believe me.I'm doing enough of that on my own. Please be constructive rather than trash my psyche and make me feel like moron. (I'm not perfect and made poor financial choices but also had to use CC's to pay for school and medical treatment. However, I'm concerned that I will not pass the means test. I have a meeting with my first attorney candidate on Tuesday. I'm not one to put my financial problems out for the public to see but I really need some advice.
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