Like I said, and I was NOT trying to be rude, you do not need bankruptcy at this time. You need medical and/or mental health care, and you need this help regardless of your ability to pay for it. Once you have obtained the help you need, and are gainfully employed and feeling better, then you should...

It sounds to me like you have a lack-of-income problem, and your debt is a symptom of the problem. Declaring bankruptcy without fixing the problem, i.e. without first becoming gainfully employed and able to live on your income without incurring debt will result in you being worse off, not better off....

If the judge rejects the reaffirmation (which he should do because your expenses are more than your income) then you get to ride through. As long as you continue making the payments, the lender cannot legally default the loan or attempt to repossess the vehicle.

Another vote for "redeem". Sure, you could buy a newer, more expensive car without all the negative equity, and pay about the same monthly payment, but why do that? Why not SAVE money instead? If you redeem your current car, by way of a redemption loan, do not sweat the higher interest...

Of course, a reasonable trustee is going to ask questions about why you needed to file multiple times. If you can articulate a valid reason, it's unlikely to be a problem. For example, a person with a chronic illness might have to file bankruptcy multiple times as a result of ongoing medical expenses....

The purpose of having bankruptcy exemptions is to allow the debtor to maintain a reasonable standard of living without having to take on a lot of new debt or resort to criminal activity. Some states have more generous exemptions than others, but the legal principle remains the same.

That...