[joesixpack]

I didn't want to file bankruptcy either. However, my average income was about $2300 less than my total payments after doing absolutely everything I could short of moving back in with Mom (which was not an option.) Yeah, I was stupid, but after trying for four years and having more debt after four years than when I started (thanks to making less money than my bills,) I decided that the only way to improve myself was to start over.