[Vipergrün]

Ok, i'll be nosey.....even though it's none of our business. You state the 911 is the only thing of value you have, yet, you are deep into debt? Are you talking student loans, of just living off of credit cards, going out to nice dinners, buying CD's, etc? Something else to think about is that a lot of employers will now do a credit check prior to hiring a person, I do not know how a BK would affect that. Most professionals I have heard would recommend that you get a second job and pay off your debt. You should try to negotiate down high interest rates with your creditors. IMHO, it would be a shame to file for bankruptcy, you really are not having to protect anything, such as a house. If there is an underlying issue being a 'spendaholic', you may want to seek help with that too.