$ 965 mandatory expenses/month (these are bare bone)

monthly pay after deductions a little over $2000

It appears that you have roughly $1000 per month that can be applied to your debt. Given that, I cannot see how you feel you will never pay this debt off. Unless of course you are spending that $1000 on things other than debt repayment.

Where is that additional $1000 currently going every month?

Again, you need to do whatever you feel is right for your situation but I truly get the impression that you are looking for approval from other people that it is acceptable to file BK. IMHO, you are looking to take the easy way out and not take responsibility for your obligations. I personally cannot condone that, particularly since it appears as if you would be able to pay this debt off without too much trouble.

Yes it will take years to pay it off but welcome to the world of inappropriate credit use. It is time to admit the mistakes that you have made and now work your way to paying them off. Unless there is more to your situation, I cannot see how it is as dire as you make it sound.

dt