Benefactor Hair Products Should I File For Bankruptcy?

Should I file for Bankruptcy? - benefactor hair products

I owe $ 60,000 to two different private lenders. Times are tough at the time it was impossible to obtain jobs. I was looking for work during the last 2 years and have achieved anything yet. In addition, the lender must file to my library. Collections of people, at least, call me twice on the day of payment demanded. I try to speak the right, but they hold profession and vocation.

Frankly, for the last year was decent not able to sleep well. I'm only 28, but saw 50th The gray hairs are getting, and my eyes are tired.
I am ashamed to say, but I do not know how to use a credit card.
I've never had to rely on credit or other loans, with the exception of my debit card. I have a house, and I intend to bu soon. I would like to begin only. The pressure is now grater, so little time I had thought about suicide as a last resort. Knnows Almost all my family about my debts, and they see me as a loser. I do not feel good. I come from an environment that does not rely on the therapist to work around our problems or sitiuatios, only with them.
I know that the credit card is our benefactor, the mayor of the individual, but my 28 has never had to use it, and yet I had to travel to Europe and America.
What should I do? I am tired, sad, is that morbid thoughts to end my problems.
Any help is welcome.