What to do? Need help

[Unsureaboutdebt]

I have very good/excelent credit as of right now, but I'm starting
to be late and paying minimums on creditcards. My wife is pregnant
(due in mid June) and not working anymore so our income just got
cut in half.
We have two cars a 99 2dr Tracker($5500 left to pay) and a 00 4dr
Cavalier($8500 left to pay), too many creditcards(about $12,000 to
pay on those) and two bank loans totaling about $4000. We own the
mobilehome we live in(worth about $4000 according to the bank) but
rent the lot it's on. Total debt for CC, cars and loans is aprox
$30K
I would like not to file for bankruptcy but it may be our only
option.
If I do file is there anyway that they could take our home?
Which bankruptcy would be better for me in the long run? Since
there is a baby on the way.

[himey64]

Bankrupcy alternative

Best bet would be if you have a home and some equity, consolidate your debts (even auto loans) to reduce your monthly outgoing. A second job would never hurt either. If your mobile home is in a park, try www.greenpointmortgage.com or greenpoint.com. They may do loans for mobile homes in a park. Good luck

[Unsureaboutdebt]

Well I don't have a home or equity. So I can't consolidate any loans. I've even asked my credit union about a consolidation loan but they declined me. They said that I have too much debt and don't have enough collateral and income.

A second job is out of the question too, I work swing shift at my plant which is 6am-6pm somedays and 6pm-6am others.

[Dawn1970]

Filing a Chapter 13 would also be an option for you to consider. With a #13 you get to keep your home and vehicles as long as you follow a court-structured payment plan.