The problem, as if that's not enough, is that I developed a gambling/compulsive behavior addiction from one of the drugs I was taking, Mirapex, and now have about $430k of unsecured debt on credit cards, and about $380k of secured debt on our house which we paid $385k for in 2003 and is probably worth about that now. I realize I have made some disasterous choices and done horrible things, but I have dragged my wife down with me, and for her sake, if not my own, I would like to recover something like a normal life. Our only real assets are our paid-for cars and about $400-450k in retirement accounts (401k, pretax). The sum of the minimum payments on the cards plus our mortgage is greater than the amount of our take home pay combined. All the teaser rates are expired and I'm getting charged anywhere from 10% to 29% interest. I realize we are like 100k over the ceiling for chapter 13, and even if we weren't a lawyer suggested I might have a problem with the issue of fraud if I were to file a 13. Obviously a 7 is not likely to be granted. The current strategy I have (the best I can come up with) is to pay for credit protector on most of the credit cards, so that if I go out on LTD in a few months I'd freeze about 1/2 to 2/3 of the debt for 18 months to 2 years and about 80k would be waived. In the meantime I would hope to pay down as much of the remainder as I could. If anyone can suggest ideas I would greatly appreciate it. Thank you.