throughout my months here on this GREAT forum, it has struck me that one of the deepest fears associated with the filing of a bankruptcy; whether it be a chapter 7 or 13, wage garnishment, tax liens have been of the utmost forerunner of priory concerns to many. i know for us personally, we were scared...

I am confused regarding the option which would best fit my situation.
I owe about 32K for IRS taxes that will be 4 years old this October.
My car was returned to the bank about 4 months ago 10K and about 30K in credit card debt that has not even been touched or paid on in 6 months with...