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Has any one out there had any experience liquidating part of their nest egg in order to pay off overwhelming CC debts and avoid bankruptcy?

In my case, I have a nest egg worth a little over $250K, and I owe about $60K on CC's. I want to extract $100K from my nest egg, pay off the CC's with $60K, and use the $40K left to pay for taxes and fines.

I'm 34. I think I can recover from this hit on my nest egg if I start dumping as much as possible in 401K & Roth IRA after I get out from my high-cost CC debts.

I don't know if bankruptcy qualifies as a hardship for hardship distribution. Tax deffered accounts are almost impossible to touch, by design.

Borrowing against it is not a practical option in my case. I already owe $30K on it, and I can only borrow up to $50K, if they will let me.

My nest egg consists of the following 4 "eggs".
$50K in a 401K of deferred compsensation (my money)
$30K in 401K matching wich I'm fully vested in.
$50K in an I&I (Incentive & Investment) account. This money is bonuses that my employeer has paid me over the last 10 years.
$130K in ESOP stock

If I can not get a hardship distribution, can I get one if I get sued and a judgement is lodged against me? I don't want to go this route because judgements are forever.

I'm also wondering if I can even touch the 3 other "eggs" that are not my money. If I'm not mistaken, there are special rules about these funds because they didn't come out of my paycheck.

Any help would be appreciated. Thanks!
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