Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Care One Debt Consolidation or Bankruptcy ? - I am 19. My mom and I became homeless when I was 17 and I had to make it on my own... I ended up with this:

$1000- capital one (have said they will take no less than $325 at a time and adds $100 a month)
$1000- walmart
$800- verizon wireless (they told me it would be $100 then charged me way more.)
$900- dr. bills because of an illness that caused me to be out of work for 5 months.

I am recently engaged to be married, but of course we have to clear the money issue up before we can afford it. We moved in with his mother and are currently paying no bills. I work part time at an office making approximately $400 a month. I am also attending Nursing school. It will be 2 years before I finish.

I can't handle the collection calls that are almost daily and also just want this out of my hair.

We do not plan to apply for any loans for houses or cars for a long time.

Should I try Debt Consolidation to work on paying off these loans at a rate I can handle or is Bankruptcy a better choice.

I am reluctant to do Bankruptcy because I am young and I would have a hard time getting all the money up front to pay for it.

Care One set my monthlyy payment at $232 for 19 months.

What to do??? -