First and foremost I want to say thank you for all answers I receive. This is obvisously not an easy time in life and all answers are carefully read, as I hope that you take into consideration all that my situation entails. When I was 19 I set out to get myself a great credit score, something both of my parents could never do. And I did, I went through my credit report took off somthing that my dad had put in my name as a kid and got my first credit card, making on time payments and just having a balance of $50 on the $250 limit. Well, then I, after my dad moved and other bad things happened in life (theres a long story there) I kept getting more and more cards I think trying to distract myself from my situation at the time. So I eventually realized that crap I was in a lot debt ($4000) which on my Starbucks paycheck of $240 bi weekly and rent in Detroit and car repairs, I was already making minumium payments so I moved to Charlotte NC to stay with my mother and pay this off. I got into debt counseling (which I feel was a mistake) I reduced all my payments from $400+ a month to 200. Well now I live in TN where the taxes and cost of living is lower. I sold my piece of crap car for a whooping $400 after it broke down and my gf and I have been sharing her car for the last 4 months and the budern as been great on us both. Now I find myself so stressed. I let my dad use my eBay account after he lost his job so he could start making money to help himself live, but he sold stuff he did not really have and now my paypal accoutn is at -$1600 and he has not paid on our cell phone plan (which is under my name) going for a total of new debt thanks to my dad (this is all dad related) to $2100. Well My credit card debt has not moved too much. And heres roughly where I lay now: -$2700 in credit cards being paid off through credit counselling -$2000 in medical bills I have not even touched (oh and I dont have health insurance either I took another job that promised more money but turned out I dont get medical for another 6 months) -$2100 because of my dad and my sere stupidity -$7000 in student loans (which I know cannot go away with bankruptcy) ————– Total = $13800 I make 12000 a year and I cannot just get another job because I dont have a car and my gf and I share one. I never thought I would consider this move but Ive tried for years now to do it the honest and hard working way and its gotten me nothing. If you have a question go to my profile and click email me. Thanks. I know that filing that would mean I couldnt get a car loan and some places would not hire me but trust me that doesnt seem like a bad sacrifice even though Ch 7 would be on my record for 10 years. And once again thank you. Today I found out that… If you are having trouble making the minimum payments, then you are not getting anywhere. I filed for bankruptcy in 2000. It was the best thing I ever did. You can get a car loan, I did, and at a pretty decent rate considering the bankruptcy (10%). I had no trouble getting a job after the last one I had was sold and got laid off, and I am an accountant, and they did check my credit. What I was told by an employer was, the bankruptcy is not necessarily a deal breaker. What they look for when they check your credit is not necessarily bad credit, but a distressed financial situation that may make you likely to be dishonest. If they see that you have all this debt, and see how much the minimum payments are, and see that you wouldn't be able to make the payments on the salary they offer you, then that would make them think twice. However, if they see that you filed bankruptcy and no longer owe all this money, that is less of a red flag to them.