Sharing my thoughts!

So here I am ... It has been awhile thats for sure.

I contemplated on letting everyone know my situation but maybe this is what I need. Maybe i need to get it off my chest on here to help me figure this all out.

All starts with me being not so wise and getting three student loans equaling a TON of money. Now I have to pay it back. I then made the mistake of getting so many credit cards and then I wasn't able to pay them.

So here I am a few years later, I have 3 student loans, a house, 2 credit lines, 4 credit cards.

On top of those bills mind you the student loans all together want 800 dollars a month and I CANNOT consolidate them because my credit is bad now because of not being able to pay student loans!

So.. This is going to be a long post I apologize but maybe this is just what I need.

On top of those bills, I have lot rent and trash, water, sewer, and electric, that comes to me in one bill, then I pay electric, cable, internet and cell phones!

Not to mention groceries and gas and car insurance!

So you see I have a ton of bills - yes I make 13 dollars an hour and get a 270 dollar a month bonus(before commission taxes are taken out) but this still isn't enough money for me to live and pay all my bills.

I contemplated bankruptcy and currently trying to figure out how to go through it all. It is going to cost me about 1200 dollars to go through with it. I have the money or will have it saved up to do it. My problem is my car is paid for. Since it is paid for if I file a chapter 7 they will take my car sell it and use some of that to pay creditors.. thing is I used my student loan to buy it so I was able to get to and from school.

So if they take my car I am still going to have to be paying for it because im still paying for my student loans. (not wise I know, but did what I had to do at the time).

Im living in ga now and have a boyfriend living with me - he has lost his jobs.

We will be moving to Ohio but in ohio you have to be there for six months to regain residency in order to be able to file in Ohio. This is a huge mess and Im really stressing out about it.

I miss my family and friends in Ohio and really want to be in Ohio. That is where I am happiest. I am awaiting a call back from an Attorney in Ohio to see what I can legally do. Can I just up and leave me house stop paying and move to ohio? Who knows...

Will talk with both my parents tonight and once I get out of work which I hope is super soon then I am going to try and call the attorney back and see what she has to say for legal advice.!

I am soooooo stressed and its driving me nuts!