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I was wondering what you guys think. I have read several times that you should only file if you living expenses are equal to or more than what you make. When I make my payments to items I would included in BK I am barely scrapping by but if I take out those items and use only living expenses I have about $300 extra. I'm asking because I am seriously thinking about this. I have tried setteling with several companies and tried to negotiate hardship programs and no one wants to work with me. I make about $1800 a month and that income supports me and my husband. I have several creditors that I am trying to juggle in this process I have received 2 charg-offs and my husband had back taxes. In all this is about $34000. I'm just looking for opinions.


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