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Let's go to Noel in El Paso, Texas. Noel, did I get that right?

Me, you did. Okay, wonderful. How are you doing?

Doing all right. Take it one day at a time, as best as I can.

How can we help today? What's going on?

So, essentially, my question is, you know, I've been listening to your show for a few days.

I've been mentioning on it quite a bit now, a couple of your other podcasts.

You know, I've been contemplating bankruptcy it's been

something that's in my mind over the course of the last couple months and I'm just

trying to see if it's a better option to throw in the towel and do that or to continue

attacking my debt aggressively based on what I've learned so far on the show.

Sorry to hear that.

Well, lay this out for us.

How much do you make and how much debt do you have?

Okay.

So I make a property, I've got two sources of income.

One is my job, which gives me roughly about 81,000 a year. And then the other

one's disability compensation, which is about 56,000. So about 122,000, 130,000 a year.

Okay.

And then as far as debt is concerned, I have about 80,000 in debt. Three of them are personal loans. Well, two of them, personal loans.

One's my vehicle, and the rest is on credit card debt. Okay. What are the amounts for all of those?

So the most expensive one is $38,000. That one has about a $616 payment per month, and it stretched out over 15 years.

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