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I would say you're a little too old to file bankruptcy to be honest.It'll affect you for seven years minimum and will hang over your head until you get allot of capital in your corner.I'd say write a hardship letter to your creditors and see if you can consolidate your debt into 4-5 monthly payments.I'd say pay online as well,$24 fee for payment is steep.....Lets hope the rules of credit engagement are change in the coming months because none should be charged to pay bills.
Get a fucking job and for gods sake don't have kids!Oh and if you can get consignment then get it because you're interest rates are climbing with each passing pay period.
Good luck
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Let me tell ya what "Like a
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dick.
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