Currently we are in debt about 100,000.00 and my husband in the only one who works. we have two trucks we are paying for about 30,000. each. credit cards, consolidation loans, student loans. no mortgage, no air to breath. out of all the paycheck we only get left with less than 400 for a family of 3. We are considering bankruptcy but don't know much about it. Which is it 7, 11, or 13? How long does it ruin your credit for? Can we fix it later? Help . thanx