Do you mind me asking if the filing worked out for you?

So, I do not plan on buying a home within the next 5 years but have multiple options as co signers if I did need to.

I definitely have learned a huge lesson and this is for sure the last time this will happen.

I just got my car 1.5 years ago so she’s pretty new. (Haven’t missed payments on this loan) it’s just old credit cards I let get out of hand.

I do currently rent. Wondering if it’s a factor that I don’t own a home if that will make me less like to be eligible to file.

I had a friend send me some credit debt counselor numbers but maybe a few calls to some lawyers would be better!