Spoke with a credit management agency a while back about selling stuff to make money.
In a nutshell they explained that selling off hobby objects is barely worth it, even for the short term. Unless the money would completely settle a debt, you will just be postponing your inevitable position. In a few short weeks you will be right back where you are now, minus a piece of your mental health. (In other words, sell to settle debts, not to make payments.)
They recommended a debt management program in which the management agency negotiates a set repayment schedule on your behalf with your creditors. In return, your creditors may lower your interest and/or forgive late fees.
If a debt management solution would not be feasible based upon your income versus your debt, and you're selling plasma and Amiga stuff just to make your bills, then they recommend bankruptcy.
In the US, bankruptcy has changed quite a bit, but mostly to prevent people from becoming habitual filers. If your income can support your living expenses and your debt repayments, you are not allowed to file bankruptcy. If you do file, you are required to take a debt management course, which is designed to evaluate your situation and help you make any corrections necessary to ensure you don't wind up in the same position again.
Believe me, it sucks, and you realize quite quickly how worthless all the shyt in your house really is. My cats are worth $1 each, and my Amiga equipment (listed as "obsolete computers and electronics") are worth nothing.
Anyway, I know a number of people here have listed items for sale because they "need the cash." Hopefully they're not throwing out their hearts to make minor mends. For hobbyists like a lot of us here, the Amiga is a relaxing and fun interest which, unlike some things, is unlikely to be replaceable at a later time for a comparatively reasonable expense.
Good luck to everyone in such a situation.
