OK, thank you very much.
Kindly remember that I do not get a salary here. Your positive rating is the only way I am rewarded for doing my job. So please do not forget to give me 3 or more stars, or any smiling faces, before leaving the site today. Thank you!
ANSWER: Personal debts like credit card and car loans with private (not governmental) companies do not affect your eligibility for immigration benefits to the US.
I cannot tell you what to do about the debts, in terms of bankruptcy or delinquency, as those are not immigration questions nor are they under the jurisdiction of immigration law or authority.
I hope I have answered your questions. I aim to give you excellent service, even if the outcome is not what you wanted. So I am happy to answer any related follow-up questions you might have, at no additional charge.
And if you want to talk on the phone for 30 minutes, I can send you an offer for that.
Once you have received an answer, please help me get credit for doing my job, by giving me a positive rating of 3, 4 or 5 stars or any of the smiling faces. You can still ask more questions, even after you’ve given a rating.
A BONUS is also appreciated if you feel I've earned it.
And if you have questions in the future, write FOR JAMES in the question and I will be your personal Expert in this category.