Originally Posted by
wanttobehealthy My credit is already in shambles. I'm talking low 500's down from over 800 a year and a half ago... So I was thinking bankruptcy couldn't be much worse. And it may be the only way I can stay in my home.
It's humiliating to be unable to meet my obligations and I feel crummy having to consider it but I don't see many other options
Then those are pretty good reasons. See what the lawyer has to say. You'll have a much better idea about whether this is a good option for you after you do that.