Thank you. You're right they are just material possessions, but, I don't think my husband will see it that way. From everything I've read about BK, I don't think we will be able to do Ch7 anyway. I think we will have too much income afterwards and would be forced into Ch13. Our gross is over $75K and our net monthly income is a little over $5200. Even making this decent income we are going in the hole every month with our current situation (mortgage pymts of $2000+). BTW, I believe we were victims of a predatory loan. I wish we had the money to try and peruse this in court. On another thread it talked about that, if we were lucky, we could end up with a free home. We refinanced our home almost two years ago and had to do a first and second mortgage to keep from paying PMI, it's a 100% loan and that is pushing it. We were supposed to refinance for a fixed rate in two years but now our house will not appraise high enough due to the market (it barely appraised high enough before) so we are stuck. Also, our mortgage has changed hands 3 times since we refinanced!!!!!! On the credit cards, if we stop using our credit cards we won't be able to make ends meet and will have to get behind on payments. Of course, I guess if we are going to do Ch7/Ch13, that would be fine but we aren't sure yet. The credit will eventually run out anyway. I'm just babbling, but thanks for listening.