bankrupcy

First you need to contact a couple of BK lawyers and set up appointments. Normally the first visit is free. They will look at all your income, assets, bills. Then they will tell you what they can do for you. Based on your income you will either be able to file a BK 7 which will wipe out all your debts (except things like child support, student loans and taxes)--Or you can file BK 13 which is a payment plan over 3-5 years. How much you have to pay your creditors will depend on mainly income. When you file there is a "stay" which means creditors can can not contact you or sue you. Of course this damages your credit, but if you are already behind that won't matter so much. Good Luck Reny

Do a google search on chapter 7 and 13...you will get a lot of basic info.