maybe I'm weird, but I would start selling things way before I even remotely considered filing for bankruptcy. I was $12,000. in debt and had $800.00 to my name when I got the job I have now.... I now have zero debt and money in the bank. I did it the old fashioned way from the days when men were men. stopped wasting money. paid my debts and then started saving.... guess maybe this is what us old farts do when we screw ourselves over financially....faking on my obligations was not an option.