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[quote=Anonymous]My DH did Chapter 13 after a major medical crisis and our share of a $2mil hospitalization for one of our children and repayment plan for taxes. This reset allowed us to keep our home. Bankruptcy allows you time to get back on track and every debt is repayed but over time without interest growing and the debt growing. Also having one combined payment brings stress levels down. There is no shame in this. It does take a bit of work upfront to gather ALL the debt information and lay out your monthly expenses. Don't underestimate what day to day life costs, be realistic about what you can afford to pay, document every debt you have and do not miss any payment. [/quote]
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