Re: bankruptcy
I would try to do what you can not too file. Try transfering all debts to 0% interest & cut all expenses anywhere & everywhere you can & only buy food for the next year nothing else & do coupons & rebates like crazy. And then find anything you dont need & sale it either on ebay or garage sale. I have been seriously worried about money once & we pulled out of it so I know you can it just takes lots of work & maybe take on some odd jobs too.
I have a friend who has filed 2 times & is right back at it again & it dont look good for her so I dont think bankruptcy is a good answer JMO
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