has anyone filed for this?friends say it was easy as hell... i have let everything build up for about two years now.. looking at 25000 in credit debt... thinking its time i finally drop it all.... did you know that if you go chapter 7 and not 13 you can even get a mortgage one dat after it gets clear which only takes about 4 months... god you have to love the US... I figure that I am young enough that I can do it. by the time I am 30 it will be like it never even happened.... was looking for past FIRST HAND knowledge... they say i can keep the new car and my place just get rid of everything else...keep my car for another 2yrs at worse case, its a 2002 anyway....