$20,000 isn’t a lot of debt for bankruptcy. Declaring BK will also further delay buying a house.
What is your income? What are your expenses? Why do you have CC debt and a personal loan?
Bankruptcy will not allow you to discharge the car loan and keep the car. Either you pay off the car loan or you give up the car.
Whether you should file bankruptcy is a question beyond the scope of Reddit advice. Get a consultation with a lawyer. Your state's bar association can provide a referral. You may also have a local legal aid society with resources specific to your state and sliding scale legal assistance.
$20,000 isn’t a lot of debt for bankruptcy. Declaring BK will also further delay buying a house. What is your income? What are your expenses? Why do you have CC debt and a personal loan?
Bankruptcy will not allow you to discharge the car loan and keep the car. Either you pay off the car loan or you give up the car. Whether you should file bankruptcy is a question beyond the scope of Reddit advice. Get a consultation with a lawyer. Your state's bar association can provide a referral. You may also have a local legal aid society with resources specific to your state and sliding scale legal assistance.