[myrdale]

[quote=Markwallace;157061] I attempted a business and items such as a fax machine, computer, printers, etc were purchased to facilitate it during that time.

I am in possession of several hundred thousand poker chips if anyone is interested.

Video games, plasma tv's, computers for gaming... I went to disneyworld. What else, I bought one of those vending claw machines... with the stuffed animals that the claw grabs. That was for personal use and is in my bedroom.
[quote]

Have you considered selling anything? Ebay, newspaper adds, craig's list, yard sells, all of these could work.

As for the thousands of chips, call the company you purchased the plastic from. Maybe they can work something out.

Hopefully you can get half the money back if you work at it, maybe more. Definatilly try negotiating with BoA to see if they will come down some aswell.

As far as maxxing the credit cards and then declairing, I would say absolutely not. That is stealing in my book, plain and simple. If BoA was so bad, why did you do business with them in the first place?

What will bankruptcy mean for you? I assume your young, 20 to 25. You will get tired of the $9 / hour job soon enough. Your next employer may pull your credit before he hires you. Seeing you can not handle your personal finances will indicate to him you are not reliable.

You may get evicted or move from your current appartment. When you do, your next landlord may pull your credit and charge higher deposits. So will the power, and water companies. Here in GA I had to go with a regulated gas company because I had no credit. They supply gas to the poor and those with bad credit, so the charge more!

Other things that blister on your credit report may mess up for you? Home loan 5 years from now. I don't know how it would affect student loans.

At any rate, 15k is not alot of money. Do the right thing, hustle, sell as much as you can, work hard and pay off your debts.