If you're thinking of filing for bankruptcy, you should talk to a Macomb County bankruptcy lawyer first. Call today for a consultation.  Sometimes things happen in our lives beyond our control that lead to financial disaster, forcing people to use credit cards to live on, basically robbing Peter to pay Paul. Job loss, loss of overtime, illness, etc., can all contribute to your present circumstances. There is no shame in taking steps to get out of your present situation and finding a way to move forward into the future debt-free. Don’t take the chance of losing your home because you are trying to make the minimum monthly payments to your credit cards instead of making your house payment.