ok so I found this website and it has lots of useful info on it. We are going to file Ch7 January 26th 09. We are going to be slightly over the means to automatically be able to file Ch7. By about $5,000. So all of this debt is cc and 2 cars, and signature loans. Needless to say my husband is on job #4 this year and making about 1/3 of what he used to make. So we can no longer apy all this debt. Does anyone have any pointers? Any idea what to do about the loss of 2 cars through this? We are about 75 days behind on one and the other is due the 18th of this month and cannot pay it. I am not sure if we should try and get 2 cheap cars from a car lot that carries the note for you now or wait until after the bankruptcy? What if they come get the cars before then? Any help or input would be greatly appreciated. 
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