I would think twice about filing for bankruptcy. All these personal items that you charged to the existing credit cards were purchased with CREDIT. You seem to think that bankruptcy will solve all of your problems and that you will never need to have credit again. But what you are not understanding is that if you do not change your behavior you are going to be right back here again in a few years, except then you will not be able to file BK again, and you will only be able to get very expensive credit, which you will doubtless need, since you obviously cannot leave within your means (see $15K in credit card debt!). You need to cut up the cards and get on a payment plan with the credit card companies. Once you start to make your money behave you will be able to change your whole outlook, and maybe start to right the ship.
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