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So I'm calling because I'm 30-year-old. I live in Philadelphia, and I've been unemployed

since last August. So we're going to hear.

What happened? I know. The job market right now really sucks. Yeah, it's just exhausting to even speak about it.

So right now, currently, I am in debt of $77,957.

And this includes student loans, personal loans, credit cards, and car loans.

And I really don't know what direction to go into

because I don't have any money to pay back the debt because I am unemployed. So I wanted to see,

do you guys think I should file for a bankruptcy? Or should I strategize like a payment plan once I get

employed again to start paying off my debt. Yeah, I mean, I would say

the latter. I mean, 77,000 is not being, I mean, I think you can get out of this. It's going to take

for sure some time and life is going to probably look different for a bit while you climb out of this,

but I would not. If you had 700,000 or something, we were talking, then that probably would be a different story. But 77,000, you can do this. Like,

you can, we see it every day. This is a number that is manageable. I know it feels probably so

overwhelming to you, and especially since you haven't been earning an income, it feels like

I'm completely underwater. But just hear us on this side say, we talk to people every day that have more,

that have six figures and they're doing it. Okay, so I do want to give you hope, Alia, that you

can do this. I think my biggest concern is the income side. And so what's been, yeah, has there

not been anything that you've found since, you said last August, so it's been almost a year?

I mean, even, you know, like Target, Walmart, I mean, any retail, anything possible?

So I'm in the legal support field, so my roles have been like a paralegal or legal assistant.

Okay.

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