Bankruptcy - anyone gone through it?

[Dayze]

we scouted a few rental homes today; drove around for about 5 hours. But, we have a rough idea of what to expect as far as where we think we'll live; and what we can get for our money. I'm balacning the need for space/location with the cost. Obviously, i want to rent for only as long as it takes to get back on track (savings, 6 month emergency, debt free ). we found a few that are 1/2 of what our mortgage is (was). We can apply most of that differce to debt.

I've figured we can knock out 4 of the the 'small cards' (card with chicken sh*t amount of money on them, but 'money on them' nonetheless) in abotu 4 months. by this point, I'll be 7 months away from paying off the car; so these 7 months will be used to pay off the next card; then when the car is paid for, apply that $ to the next etc. I figure in about 20-30 months I can have no unsecured debt. And at that point, only about 6 months until the wifes car is paid in full.

so....adjust our thinking and mindset for the rest of our lives; and we could be debt free in 36 months. Then, concentrate soley on rat-holling money for a down payment on a hosue; and building up retirement in a ROTH etc.

I think my wife has finally come around; she's starting to speak and sound like she's thinking about he long term/next 10 years + and not the 'now'. She perked up when I told her we could take all the moeny we're wating on cards /creditors etc...and pay 'ourselves' in the form on savings/cash on hand and retirement. There is no way, if we somehow could stay in this house, we would ever have the money to retire.