So I'll be 30 in August, and my financial issues have become a major stressor in my life. I have about $9000 worth of debt that I've been carrying for a while and just received a garnishment summons. I'm not financially independent and often need help from my dad to make my rent every month. I am of the mind right now to file for bankruptcy and just start over. My dad doesn't like the idea however, and thinks it will do more harm then good. He says even if I file, that I still wouldn't be able to afford my living expenses. His idea is that he helps me pay off my debts and says we can do so in a year. But if I do this his way, he wants to know the ins and outs of any money I spend, I have to clear ANY purchase I make with him.
I have multiple issues with his idea. This isn't the first time he's told me he would help me, in fact I brought up this same idea a year ago and he told me not to file, that he would help me. We haven't made any progress. Furthermore, I'm not comfortable having him that involved in my finances and quite honestly I've been trying to distance myself from him for a while now (our relationship isn't as strong as it used to be years ago before he got remarried).
I have no idea what to do? Has anyone had experience with bankruptcy? Was it helpful or hurtful in your experience?

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