Would you ever consider filing Bankruptcy?

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The alternatives: Can you avoid bankruptcy on your own: To explore non bankruptcy alternatives, create a budget for your realistic, monthly expenditures for current living. Include mortgage and car payments, but exclude all other existing debt service. Try these nifty online budgeting tools to help. With the money you have available each month after paying your current living expenses, can you pay off your existing debts at the current interest rates in 3 years? Forget minimum monthly payments: calculate what it really takes to pay off credit cards at credit card interest rates with this online tool. Can you reduce expenses, increase income, negotiate rates or sell assets to make that possible?