Thinking about declaring bankruptcy

[Giant Robot]

I've bitched and moaned about our financial situation forever now (and thank you for listening). My wife and I have made it through many hard times and many PBJ and sandwiches. Every month we say, "We just need to make it through this month and things will get better next month." That has been going on for years and every month things don't get better. Something else happens. Another bill surfaces. We screw up our budget. Trust me we have made many mistakes with our budgeting so we are in a fix we have brought upon ourselves to some extent. I'll own up to that.

It's just so bad now that we don't see a way out. We have credit card debt. Medical bills. Education loans. IRS debt. Rent. Day care. Insurance. Car payment. Utilities. Fuck me I can't stand thinking about it. Mrs. Giant Robot brought up the obvious last night, and good for her for saying what probably needed to be said. We need to look at bankruptcy. Our credit is fucked anyway so that doesn't matter. We need help and the only thing I can see is this. Budgeting classes and things of that nature, good we need them. But we are so far behind the eight ball that I don't even think that will help.

I wanted to hear your thoughts on bankruptcy and what you think of this mess. I just need help.