[dimitri]

I have about $30,000 in credit card bills dating back a couple years, with a multiple companies. I own my home, but am getting near the “upside-down” point with my Mortgage. I just can’t seem to make any progress paying anything down. I think it may be time to think about bankruptcy or some type of debt solution because I just cannot do it anymore.

I know there are two types of bankruptcy: one that provides for forgiveness of all debt, including credit cards, and one that sets up payment plans for the credit cards. I don’t have any clue what the benefits/downfalls are to each method. How can I ensure I file the right type of bankruptcy – the one that will allow me to get rid of ALL my credit card debt?

A friend suggested seeing a bankruptcy attorney in San Diego, or maybe reviewing my situation with a local San Diego Debt Solution Company. What are my best options? I don’t know what to do. Please help!