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If you file bankruptcy, you will most likely loose 2 of your cars anyway.

Filing Bankruptcy is a lot harder than it used to be. My parents just went though that. And then your credit takes a hit for 7 years. You also cant get any credit really during that time. Its a last resort. We ended up selling our Home of 20 years in Nov of 2010 because we were not going...

Sell the Vett. That may not sound like a good plan, but you dont need it. Also dump the sonic and buy a older reliable car like a VW Golf TDI. And still do what you are planning. Pay off more debt more quickly. I think your on the right track. My Cousin spent every penny of every paycheck...