"This is all good advise and I intend to take advantage of the one that best suits my needs at this time. I have to file BK because I had 2 vehicles repossessed and they are suing me for the difference, and from what I understand already have judgement against me. I have tried everything imaginable to no avail. Thank you so very much for the answers they were very helpful. I do appriciate the fast response. I willk definately speak to my attorney again and get hisd input.
Again thank you all so very much.
DJ

Why on earth would you want to file for bankruptcy? Bad credit is better than bankruptcy. Why would you ever want to do that?

Just pay each debt off one at a time, until then look for someone to seller finance. You may go through a lot of "no"s but you'll eventually find that yes.

And a lot more people are seller financing these days because it gets properties moving in a market where they aren't moving.

And the seller who creates the promissory note that you'll be paying can sell it to me! -so it's as if they got cash in the first place!

But in order to sell their note for top dollar they need the right terms, like down payment, interest rate, and credit rating and trust me- bad credit will look better than bankruptcy.

After you file, you will need 12 months of on time payments and permission of the court to apply for a home loan.

Unless you can get someone to do an Owner Finance on a home, you won't be able to get a loan.