I have no Secured Debt . After my expenses for a bankruptcy 13 I would have to pay out like 500 a month with my current job . total debt is about 25 to 30 grand . after the lawyer math mi bringing in 4500 a month . Thinking about getting a new job were i would make 10 more per hour . would consolidating debt be better ? cause i really don't want to give up all the extra money i would be making if i went with the 13 . and i really don't want to pay 500 a month for money i haven't seen nor own anything with . Also i have bad credit and cant get a vehicle to create secured debt so that i might have something to show for a 500 payment . Any suggestions . . .