Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Should we file bankruptcy? - My husband and I own a home, (1 mos behind on payments), a paid off 2001 car and we have about 35,000 in unsecured credit card debt. We just received a notice of court date for default judgement. We live in TX so all they can do is get judgement and seize bank acct. Should we file and get this over with so we can start over? We do not want to lose our house and I'm scared...... -