Hello. This is going to be long, so bear with me. I could really use some advice. I have over $50K in debt from 2 credit cards and a student loan that have been charged off. Needless to say my credit is shot right now and I'm trying to get back on my feet. Unfortunately, I'm not making anywhere near the kind of money right now to cover the payments, or to settle, for that matter. A year ago, I tried to beg online for money to pay off my debt and fell for a scam from someone who claimed to be a Christian pastor in Africa, which put me in a deeper hole. I'm having to take out payday loans to make ends meet.
I've met a wonderful woman that I would like to settle down with and marry, but I don't want to burden her with this debt, too. I've tried some credit counseling services, but I couldn't afford the payments. I don't want to ask for money, after what I went through, either, unless I know the person I'm talking to is legitimate. Is there any other option I have available besides bankruptcy?
Any help would be greatly appreciated. Thanks!