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Thanks for this board, everyone. I have questions, because I may need to file.

I own a 1.5 year old house that has no equity. I have a car that I owe 6000 dollars on, 1 home equity loan that is at 4700 (15.5 interest), one unsecured loan at 15%, plus credit cards and student loans that are under CCC care.

Now that I have that said, I also have to start taking a $245 per month medicine (my insurance only cover 70% of the cost.) I"m working with the company to be sure I can get it AND afford it. I had to go under their financial plan, and want to pay $150 per month until I get stuff paid down.

What should I do? I do NOT want to lose my house, because right now, I love it, and I live 40 miles from work, so I can't lose my car. I'm considering Chapter 13 in order to restructure EVERYTHING into one easy payment.

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