Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Is bankruptcy the right choice for us and if yes what chapter? - My husband and I have a lot of debt on our shoulders including possible foreclosure and a few hospital and dental bills. We are getting frustrated with the debt, with $10K we can get rid of our debt and continue paying our mortgage but with our credit it would be impossible for us to get our hands on that kind of money, so we were considering bankruptcy and starting all over again. -