Seeking Bankruptcy Consultant: when ends don't meet
There are times when the logistics of finances catch up with the rest of us. In an ideal situation, 3 minus 2 would equal 1, where our income exceeds our expenses, and we are left with a little extra. In a decent situation, 2 minus 2 would equal zero, where we would make just enough to make ends meet. However, in many situations, 2 minus 3 would equal negative one, where we can't even manage to make enough to keep up with life's daily expenses - food, shelter, medical care, and clothing. The situation may worsen with years in the negative, where the number could just keep growing and growing. Perhaps even it may seem that all cards fall in the wrong place, where what little income we may take in, suddenly makes us unqualified for other benefits like food stamps.
An urbanMama recently shared with me a little bit about her situation, where the ends just don't meet. Feeling underwater and deep in debt is never a good feeling. Bankruptcy may or may not be an option. Do you have some resources to share, where she can consider her options, whether it be filing for Chaper 7 or 13, or perhaps negotiating payment plans with creditors?