Anybody had a positive experience w/ bankruptcy?

Anybody had a positive experience w/ bankruptcy? My husband and I owe about 80,000 in car and credit card debt and have considered ch. 13 bankruptcy. If you did ch. 13, how did they work your payments out? were they extremely high? our income is about 4,000 a month before taxes... was it worth it?

Please save me the work full time get extra jobs stop spending stuff.. we work full time, we have a newborn son, we%26#039;ve cut our spending habits. We%26#039;ve bitten off more than we can chew.. we know what we did wrong.. we just can%26#039;t fix it anymore. :(

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2 days ago

and we know we won%26#039;t be able to finance anything forever.. but we don%26#039;t want to anyway..that%26#039;s what got us in this mess. (ps. we don%26#039;t own a home.. we rent right now and are content w/ that) for your reference. You can get more details here in.

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