Bankruptcy can cost you from $500 on up depending on the state you live in and the cost of the particular attorney that will handle your case. In bankruptcy you may have to give up cars are real property along with other assets you have. Some debts may not be discharged including student debt and medical bills. Also it will remain on your record for 7 to 10 years. This can seriously affect the ability to do some of the things that you want to do in life. It can also affect the ability to get certain jobs in certain states.
Credit repair can cost you an average of $100 dollars or more per month and it will not really fix your credit. You will also have to continue to pay your debts. If a debt is not in collections you may or may not be able to settle the debt for less than it's face value.
In rare cases where you have medical debt you may be able to settle for a lesser amount. It will take a lot of negotiation.
At AllThingsWiseandWealthy we chage $39.00 for each 3 months. We teach you how to budget and to start your snowball system to pay off debt. Getting out of debt is 80% decision and 20% actually following our plan. Our plan has work for many thousands. It can start working for you today.