Thank you for your question. I am happy to assist you.
Debt consolidation may be the most advantageous for you.
Your income appears to be too high to qualify for a chapter 7 bankruptcy to discharge your debt. A chapter 13 is a reorganization for an individual. Although you may qualify for a chapter 13 bankruptcy, you may find that an out of court settlement or payment plan to be more cost effective..
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THIS IS FOR INFORMATION ONLY. NO ATTORNEY-CLIENT RELATIONSHIP EXISTS. PLEASE CONSULT A LAWYER IN YOUR STATE FOR LEGAL ADVICE