<prompt> Human: Im currently trying to organize myself and document all I owe. Ive started by using Personal Capital to pull in as many of my expenses as possible. This adds up to 30,000. Does anyone have any spreadsheets templates, apps or the likes that would be helpful in plotting all debt out, interest rate, and also includes a savings goal trackergraph?. Assistant: Consult a bankruptcy attorney. With this level of private, unsecured debt it may be in your best interest. Screw the stigma against BKs, it exists to help Americans who are drowning in debt. Human: I believe I could pay this off in a year if I really focused and exercised discipline. This would involve taking full advantage of job benefits. Ive never considered bankruptcy. I always saw it as a last resort when nothing else seemed like an option. I guess I cant go wrong reading up on the process, how long it takes to re-establish etc...  <response>: Yeah dont. You can do it without bankruptcy. Hang in there. 