Well I take it all was well for a while. You had 2 NFCU cards over 20k. Nice car. I am sensing your a younger adult from the drivers license info. I'm so sorry your father did you like that. Wish I knew him. We'd have some words. Man I wish there was a way to make this easy. Its kinda like stuck between a rock and a hard place. Just from your original post and my oringinal responce. It might be to only way out with a fresh start. Even if you decide to look to go that way. Some things will have to fall to the wayside to get a lawyer. The disposible income just isnt there. You can recover again and many lessons were learned from this chapter in your life. Can't get any worse. Its time to work on the present and build for the future. Thats all I can say really. As I said earlier. You'd be in better shape in less time than trying to pay all this back and have a new life debt free and never return again to what would be in the rear mirror soon. Good Luck on whichever route you chose.
Like i said. It's your choice. Look at it as a scale. Its leaning more towards financial freedom. At 23 man you got your whole life ahead of you. Some mistakes were made and lessons learned. No I'm not going give a lecture. Its a chapter in life I'm sure you wont repeat it again. Families members will take advantage of other family members more than friends would. Sad to say. The car can be included in BK. As long as you pay they cant take it away from you. Unless its a credit union loan. They work differently. Then you can go find a car that you can afford to get you from point A to B that fits your budget. Then turn in the keys. Then its time to start saving for your future (yes retirement) and emergencies if something should happen. Once you see a savings account grow you get more excited to put more in. Yes it true. NFCU will be toast forever until you pay them back if you chose to years from now. It will take time to rebuild. But it can be done. Read my disclaimer below. Its for other to see what can be done afterwards.
So at 33 there will be no BK on your record. All of this will be gone from your reports. And what will be left? Probably a pretty good credit rating with nice things because you know now how it works. I filed at 55 due to taxes and wanted to keep my retirement. IRS doesnt play. Wer'e here to help you along the way all the way thru till the end. But I believe its time to get some free consults from local lawyers and time to do a 180 and start off fresh. Again. Sorry it had to go this way. But its for the best now and for the future. Good Luck!