[68 Firebird Brian]

Banks and the government always get paid. Transfer as much debt to credit cards and the default on the cards. CC will settle on 50 cents on the dollar. This will give you 5 years bad credit. If you don't have the $$'s to pay out the cards then a credit consoling organization will finance it for you. They will negotiate with the CC's and give you one payment. Again, this will leave you 5 years bad credit.

Bankruptcy will follow you forever. Look at any Bank questionnaire, "Have you ever declared bankruptcy". They don't care if it was 5 years or 50 since you filed. This is your last resort option.

A lawyer will give you a big bill. Accountant may help. Credit consoling is your best bet.

One spouse with bad credit is much better than two spouses with bad credit.

Good luck!