Well, we filed about 8 months ago. For the most part, this has made things a lot easier for us. (we never in a million years EVER wanted to file BR, but that is another story) There are a few things to consider first. Like are you settled in your own home, and does your husband have a good job that he plans to stay with for awhile. See, the thing is that right after we filed, we sold our house, and my husband changed jobs. The delema is that if we want to buy a new home, we have no job history, and he hasn't been at this job very long. But if you have no plans on moving, and all that. You can still get loans and such. WARNING!!! after you file, you will have cc company's coming at you left and right trying to get you back into debt. You might try a credit counseling, What this is all about is.... you contact one of the company's (you can find many on line) they will "ask" your cc company's to lower your interest rates, and minimum payments. say you are currently paying 400 dollars a month in cc bills, this could drop to $200 or less. You will pay directly to the councilor, and they will pay the company's for you. but this will still cause your credit score to drop. The credit counselor will tell you that you can stop making your payments as soon as you get off the phone with them, but if your bills aren't behind, I suggest that you try to make the payment till they start making them for you. This will help your credit score. The problem is they want the $200 up front, and don't pay the creditors for 30days. If you don't go ahead and pay them for that 30days, they may turn you over to collections. well, I hope this helps, and I hope I didn't confuse you. Its hard to gather my thoughts when my 2 year old is babbling at me
. If you wanna ask me anything, just pm me.