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Long story.
Like a lot of people I graduated college very naive but positive. I was laid off from a decent paying job and after that did temp work before deciding I wanted to work in the education field. Sadly, the charter school I worked for let all non full time employees go so now I am back to being on unemployment.
Each time I was laid off (the temp jobs didn’t last more than 6 months since those were temp only) I had to wait 4 weeks before I saw one penny of unemployment. I had little money in the bank so I did a very stupid thing, I used my credit card for rent, food, and sometimes gas (and one time a vet bill). I tried to go to a debt consultation place my credit card company referred me to and the girl told me that my problem was not budgeting it was lack of income. I told her I would work 70 hours if I could but it was hard to find work. She told me that a chapter 7 would be my best option to give me a "fresh start" and she told me I could look at repairing my credit after that and when I was working a steady job.
Any way, I am very depressed. The Unemployment Office told me that if I can get accepted into a program for my teaching certificate for a year and a half they will arrange for me to have my tuition waived and grant me an extension. It would be a year and a half of scrimping (I live with my boyfriend so he told me he can handle the rent while I am in school, the logic to him is that when I am teaching, I will have a better income and perhaps he can go to vo-tech while I work). I also plan to volunteer as a tutor if I do this, I always volunteered while on unemployment, it just felt wrong not to give back.
Sorry this was long, so I don’t know what to do, I have tried working with my credit card companies but they don’t want to budge on my min and one has gone to collections. I feel so depressed because my father always taught me to be good with my money but I wasn’t buying designer clothes, or anything luxury like. I was trying to keep a roof over my head and food on the table (which was peanut butter and pasta mostly I once even went 10 days without eating). I also worked hard so I could have a decent career and maybe own a home, and a decent car (all though taking the bus is good for the planet! ) not so I could file for bankruptcy and have to have my boyfriend make sure I am not homeless.
What else are my options? Has any one else had to file? Were you able to get your credit back? I have not told anyone in family and I wish I could talk to my boyfriend’s dad because he is an attorney but he made a remark the other day about how people ruin their credit about being irresponsible and filing. I also can’t tell my older sister, she was smart and became an engineer so she has always had a good paying job (which she did work her ass off to get) and even though she cares about me, I know she will be upset, and she is getting married soon and I am her maid of honor so I don’t her to think I can’t afford to be one.
What should I do? Please try to be too harsh, I am actually crying as I write this.

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