I would get some estimates for the work which is needed in order to pass a home inspection, and talk to a real estate agent to see what you could realistically sell the house for with only necessary repairs being done. If the loss to sell ends up being only a few thousand dollars, it's worth that to...

"I feel like i made a huge mistake filing this!"

No, the only mistake was not filing sooner. In fact, all the people I know who declared bankruptcy (myself included) have only one regret: that they did not file sooner, and instead wasted money paying toward debts that would be...

Yes. My scores were the pits, in the low 500's before I filed. I had nothing but defaulted debts, and a judgment (which was never paid). Just the mere act of filing brought a significant increase once the bankruptcy was reported to the credit bureaus. My scores increased further upon discharge.

I am a professional HVAC service technician, and have been in the industry since 2004. I call B.S. on what these "technicians" have told you. The so-called "diagnosis" that both the furnace and the A/C are "dead" and that they should be replaced solely because they are...