<prompt> Human: To make a long story short. I am in debt of around 12k and thinking of filing bankruptcy. I have had some finical issues over some time now trying to get ahead. I joined a debt relief program to help pay off my bills but, doesnt seem to be helping. I am looking for any advice on how to go about filing or if I should ? My debt is mainly Credit Card Related and my everyday finances have gotten more expensive over time. Edit Thank you all for your helpful advice. I will take all of into account by hunkering down and seeking legal advice.  <response>: Since so much of your debt is on credit cards, can you transfer some of your debt around? I have two Citibank cards and two Chase cards...I was able to transfer debt around enough to get interest free for the next 12-18 months, making it much easier to pay down. Usually with credit card debt its the interest thats killing you, so find a way to mitigate and youll be okay. If you dont have room on your cards, rank them from highest percentage rate to lowest and pay off the highest one first. One chunk at a time. You can do it! 