Our realy problem is our house. We have a mortgage at 14.2% interest. We have not filed for bankruptcy - as of yet. We have talked to CCCS and debt settlement companies and they all say that we should file for bankruptcy. The interest rate is what is killing us. The late payments are not going to be rectified anytime soon, and we can't seem to be able to refinance. Should we file for bankruptcy - or just wait it out for our tax refund to catch up? That is still 4 months off! Any advice would be greatly appreciated!!