I have gotten myself into too much debt with debit cards

I would say that easily 1 of the worst decisions I made was running up my debt on debit cards. I recognize like debit cards are nothing however a trap because people are going to use them plus then it becomes difficult to pay back the debt on the cards. In my case, I ended up making minimal daily payments which basically just covers the interest. My debt has been growing steadily over the years plus now I find myself in a awful situation. I have considered declaring bankruptcy because of my situation, although I don’t entirely know what to do. It’s hard to cover all of my bills plus keep on top of these debit card payments. The thing I am concerned about most is the fact that my Heating, Ventilation & A/C plan is getting old plus I will need to replace it soon. With the amount of debt that I have, I am unable to save the funds I will need. I entirely wish I never got myself into such a situation with crushing debt. I recognize like I won’t be able to afford to purchase a new Heating, Ventilation & A/C plan by the time my Heating, Ventilation & A/C is dead, plus that will leave myself and others in a severely dangerous situation. How will I make it through the Winter season without a heating system? This is why I am seriously considering the bankruptcy situation, so I’m going to be reaching out to get a lawyer soon enough to see what is my best option. I just want to take care of this situation plus never use debit cards again if I can help it.


HVAC system