Does the lawn mowing business have any value?
If that is it and there is no value you can declare bankruptcy. This will stop you borrowing money for 3 years etc but the debts will disappear.
Your household items will not be touched.
As there is no real estate or anything of value they will leave your finances alone.
You cannot have your credit history changed because you have defaulted.
It will remain there for 5 years as will the bankruptcy but you will be debt free after 3 years. Make sure you have all contracts for phones its established before the bankruptcy as you will have difficulty getting them after.
I hope this makes sense and is of assistance. If there is nothing further
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