(2) You could still voluntarily pay back creditors if you want to whether or not you file bankruptcy. But bankruptcy has its pitfalls and problems, so I caution against it. Can you seek counseling help from Credit Counseling Services (nonprofit).

With help, you can still forge a payment plan that you can follow.

(3) As for prayer, what I advise is to pray for preparing your heart and mind to receive wisdom and help to create a solution in keeping with God’s will, whatever the plan or purpose is. It may help to totally forgive and let go of your past fears, perceptions, memories, anxieties, and helplessness, and agree to take on full responsibility for whatever it takes to resolve the debts. When you make the commitment yourself, and ask for God’s help for strength and wisdom to follow through, God will help you and will send whatever resources or guides you need to take the right steps.

God bless you because you are doing the right thing in asking and seeking guidance. You will be greatly blessed.

Please contact, email or call DAVE RAMSEY. For prayer support, please contact one of two healing ministries I know are very efffective, including helping with medical conditions:
Olivia Reiner whose hotline # is posted at
Francis and Judith MacNutt whose website is

Peace and God’s blessings are yours.

But, I came back to God through attending DivorceCARE. Then, I joined the Church that was sponsoring the program. Although the Church didn’t insist — or even request — that I tithe 10% of my earnings, I researched it on my own, asking other believers questions.

Through much worry, and pondering, I began to tithe. It was hard for me to part with that first check, believe me.

But, you know what happened? For the first time, I was able to sleep, not worrying about my finances. God directed me to a new class starting up, called Crown Financial, teaching us how to handle our finances God’s way.

Although I still have debt, I began a financial plan, with tithing 10% first, and then using the percentage system to handle the rest. It was a Godsend!

Why tithe? It shows God that you trust in Him to take care of you. Everything you earn is God’s to begin with, and once you realize that, you accept every penny as a gift from Him, and you ask Him to guide you to handle it properly.

And, one way God has blessed me with my faithfulness, is our Church wanted to send a missionary team to India last October. I was selected. It was for two weeks. The Church and Church members donated all the funds I needed. We even stopped in London for two days, and I got to see things I’d never seen. It didn’t cost me a dime.

Check out the website. Google Crown Financial. I think it is, but I am not sure. It will give you guidelines, using the percentage system, and you will be amazed, that if you are faithful, giving it all to God, you will have mini miracles happening every month, helping you make ends meet.

Oh yea when you file chapter 13 you do pay them off chapter 7 you dont so maybe thats something to think about.

Best of luck with your money troubles.