you have to ask yourself, if the stress of all these debts interfering with your health and everyday life?
a few years ago, the thought of filing never crossed my mind. looking back now, i wish i did file a bit earlier....albeit, my case might be different than yours and quite possibly simpler.
but for me, it was the right thing to do. the relief after the feeling of almost hopelessness, carrying those debts month by month, not seeming to get smaller even though almost everything you earn is going into repaying.
but i know what you mean, when things are bad, they just seem to get worse sometimes. family emergency here, loss of income there. some family member has a mishap, and then car breaks down.....it all adds up. then you try to make ends meet, and there is not enough money. and pretty soon , we start resorting to stupid measures like cash advances from our cards, and sometimes payday advances, not realizing that we actually are digging ourselves an even deeper hole.
you are not alone. some people understand how desperate life gets sometimes and no one here is really qualified to pass judgment. you should never let anyone have that power over you.