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Possible BK, how to proceed

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    Possible BK, how to proceed

    So because of the bad market and move I have accumulated a lot of debt during the move and my old house is starting the foreclosure process. I have close to $90k in cc debt and the foreclosure as well.

    Now I have not filed for bk yet, but had a question about the repayment process if I file for 13, I don't think I'll pass the means test.

    If am filing single for bankruptcy for the cc and mortgage debt, how would repayment plans work if my wife is not filing but has 2 vehicles in her name that I am current on? She is a stay at home mom, so no income.

    Would the the repayment plan allow to to pay her car loans as I currently do?

    also the cars have some negative equity rolled into it. One car payment is 650 the other is 550. Would it make more financial sense for her to file bk as well and get 2 new/used cars with lower payments before potentially filing?
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