Over the past few years I've accumulated over $13,000 worth of debt (school without student loans, unemployed for a few months, misc expenses) and now it's just out of control. I am trying to pay over $600-700 a month to these cards to get them under control, but it's not getting very far. I did a calculator and it said that it would take over 8-9 years to get these things paid off at that rate. I am going to join the military, I can't take the stress of my current job (working 55-60 hours a week) just trying to get by and make a couple extra bucks to put towards my credit cards. Going in as an E-1, possibly E-2 due to college credits, it's not nearly enough to cover all of my bills, so now it's time that I take some action and stop throwing this money away. If I was to file bankruptcy before enlistment would there be any effect? what about after I was enlisted? When would the best time be? I've thought long and hard into this and it's the only option to go.