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Well, with that income that amount of debt doesn't seem insurmountable - what is driving your thinking that you should file BK? Are you behind in payments and concerned about personal judgements & garnishsment from the CC debt, and/or in danger of losing the cars to repo? As you said, under a Ch13 you'll repay most it not all that debt. Have you tried neogotiating directly with creditors or through a credit counseling service to lower the interest rate and/or payments so that repayment is more manageable without a BK affecting your credit and life for the next 10 years? I did a no asset Ch7 in 2010, but if I had had income such that I would have had to do a Ch13 I would have taken up on several creditor's offers to repay half the debt for settlement in full. My credit would have taken a hit as those accounts would have been listed as charge off, but the hit wouldn't be as bad as a BK.
Quit your job long enough to qualify for BK7.
I have seen extremely varying payback plans for 13's through reading these and other message boards. What I have learned is that it really depends a lot on the local bk trustee that you have.
We were in NC where the trustee was very filer friendly. He was all about helping the filer get back on their feet. We only paid some back taxes, our attorney fees and a car inside our plan and the plan was for 48 months. We paid zero to unsecured creditors. He let us get better paying jobs without increasing our plan and didn't touch any bonuses or tax returns. If you have to file bk it is by far the best place to do it. Then I have heard about cases where the trustee makes your life miserable and takes every cent they can get.
Your attorney should know about your trustee's tendencies and be able to ease your mind if possible. You should ask them this stuff before hand so you know what to expect long term.