Thinking about filing for BK
im not sure about the tax return thing but that may be a serious
im not sure about the tax return thing but that may be a serious consideration that may come into play. There are other options out there that you can consider before bankruptcy like debt consolidation, debt management, and or debt settlement. I myself used a debt settlement company that worked great for me. But one thing for sure is you will need to do something soon, doing nothing will get you no were. Your credit is already trashed so you are going to do what you have to do to survive.
if you dont know the difference between these options post again and we will explain it to you. But first consider alternatives to bankruptcy. these alternatives will get your credit back on track faster than bankruptcy.