Retired and too much credit card debt

Hello Terry,

I’m 71 and retired. Through my working years I had no problem paying my creditors. Now being on a limited income, I am under great financial stress that is effecting my emotional health. I know I have made some bad financial decisions in my life. My 401k is now depleted and I’m living on social security and a very small pension. I just don’t know what to do. I don’t think I can even afford a credit repayment program. I’m considering bankruptcy. Any suggestions you can give me are greatly appreciated. This stress is making me I’ll.