Chapter 13, HELOC, or Default on Unsecured Debts?

Chapter 13, HELOC, or Default on Unsecured Debts? Hi Personal Finance, I'm looking for advice on how to proceed. Right now I have $110,000 in unsecured debt, mostly as a result of my wife being out of work for a period of time and credit cards became the only way to put food on the table. We both now work and have a total house hold income of $170,000. After taxes we bring home $10,500 per mont...

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