no need to get personal now. it has showed you cant manage money and like a previous poster said that is one reason honest people cant get no credit because of the few bad apples out the racking huge amouts of debt and then filing BK to get rid of it. sorry man but you just ganna have to break down and tell your family santa was broke this christmas. sorry you going through all  this but a good advice dont post to much personal information people that rack up huge amounts of debt dont need any more.