I am looking at possible filing bankruptcy

According to the new laws, people interested in filing bankruptcy have to go through credit counseling and figure out if they are eligible for it. You will have to qualify in the means test before bankruptcy is possible. Talk to a credit counselor for your options. You will get a direction.

hello Jeep -

Welcome to the forums! Since you have registered, a debt counselor will be contacting you within a few days to discuss your situation.

Please consider things carefully before filing for bankruptcy. There may be a chance you can work this out without taking that step. Bankruptcy is no longer quick, easy or cheap. You must go through a counseling session prior to filing (and another prior to discharge of your case), submit to a financial means test to see which Chapter you qualify for (you don't get to choose - you qualify for it or you don't), and there is a LOT of paperwork involved. It is also very expensive to file, though you are allowed a payment plan on some filings.

This is a drastic step that alters your life completely. Please speak with a debt counselor prior to jumping into bankruptcy.