Financial advice?

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*Since you DO have a house, try slowly, cheaply, and creatively decorate and improve. Cheap improvements can be new carpet, paint, window treatments, etc. I know you dont want to move, but if you fix up this house a little bit, turn around and see what it's worth. You may find yourselves making $20,000 at least easily on the market. A house is a great asset to have that you can turn around and sell and get the difference of cost, and put that towards your next DOWN payment. Anyway, there's numerous ways to go about this..if you'd like detailed info, you can e-mail me. Good luck!

And from comment above, DONT file bankruptcy if you don't have to. Doesnt matter what chapter you file, but when i collected on people at my previous job and they were going to file, i let them know it affects your credit..and even though you're hurting now, you may be better later in years, but it will STILL be on your credit - for 7 - 10 years. Instead, see if you can do some research online with a loan company dealing with bad credit and try to CONSOLIDATE your payments. That way instead of numerous different payments, try one easy monthly payment a month.