I would say that probably one of the worst decisions I made was running up my debt on credit cards. I feel like credit cards are nothing but a trap because people are going to use them and then it becomes difficult to pay back the debt on the cards. In my case, I ended up making minimal monthly payments which basically just covers the interest. My debt has been growing steadily over the years and now I find myself in a terrible situation. I have considered declaring bankruptcy because of my situation, but I don’t really know what to do. It’s hard to cover all of my bills and keep on top of these credit card payments. The thing I am worried about most is the fact that my HVAC system is getting old and 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 really wish I never got myself into such a situation with crushing debt. I feel like I won’t be able to afford to purchase a new HVAC system by the time my HVAC is dead, and that will leave me 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 and never use credit cards again if I can help it.