HOW DO I KNOW IF FILING BANKRUPTCY IS THE RIGHT CHOICE?

I am 24 going on 25 and I have for my age a lot of debt. This isnt including student loans. I have a repossion, I have old Medical bills, Old cell phone contracts, Something where they say i owe my old apartment complex, old cable bill and etc.Im working on getting back into school, i have one job paying minimum wage. I cant afford to pay these old bills and now their trying to garnish my checks. I need help and fast.

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