If your debt has become so significant that you are unable to pay your normal living expenses, then you should consider filing
Chapter 7 Bankruptcy. When filing Chapter 7, you are allowed to assume secured debts, like your home or car, that are current and that you have the ability to pay. You will also be able to keep other assets after filing bankruptcy. Once you have filed, you will receive your discharge in about 3 to 4 months.
Call a bankruptcy attorney at Tracy O. Strom
to begin working on your new beginning with Chapter 7 Bankruptcy.