anyone have any ideas that might help me out. We are thinking about filing due to all of our medical debt. Since husband got hurt and out of work since Aug 2008 and not is disabled and I lost my job, we have been scraping by but still paying everything and doing other stuff but occasionally putting stuff on the cc. We are still ok but since we were told that we have to pay back all of husband's disability from his former employer I have been freaking out. The lady that we spoke with said that they will only make 12 month payment arrangements --hello that is more than he will be getting for permanent disability and I am on my last extension for unemployment. I have been on so many interviews but I can't physically do certain things anymore due to my injury but I want to work and need to work, I feel so useless right now and due to that I have gained so much weight. I don't know how to get going forward without filing for bankruptcy. Please help!!