If there is anyone you can brorow from I suggest that first before filing bankruptcy. It dosnt sound like your in THAT much debt. If not is is possible to find a part time job just until the debts are paid off? THEN, stop using checks for a while until you  train  yourself to not use those horrible lending institutions! Trust me, I have been there too! If you let them go they will harass you, I have had a couple work with me in the repayment process if I paid it off in a month! Good luck, just think how great it will feel to be out from under their claws!
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