Its been 2 years of lost battles and I decided the best thing for my family and myself would be to take this route. With a 100K in debt being sued by the 3 different cc companies and a wife home is medically disabled it was time. 1. Wife started to have spinal issues neck and back. Lost job 70k gone. 2. Whole dept was dissolved in merger. Lost job 60k gone. 3. House was short sold and dog died of cancer. I loved that dog. 4. Turned in one of the cars back to the dealer. 5. Stopped paying on cc, they would not take a lessor offer. 6. bankruptcy. 7. For the next 90 days, I can't make any monies until its discharged. After that I am free to get back into the game. 8. Rehired with exact same job, better manager. 9. Starting over feels good. 10. My kids are healthy, I am healthy, peace in my life again. Lesson to all of you, life is too short to suffer the winds of issue that you did not cause.