My fiancee was let go from his job where he worked for his (now) ex-stepfather. His stepfather said he "would not fight" him on unemployment. His stepfather was never clear on if he was terminated or laid-off. So when my fiancee went to file for unemployment, he said he was laid-off. Everything went through, but a couple months later we received a letter cutting off all benefits, which left me to pay bills on my own. During that time I charged up all of our charge cards and missed payment on a lot of our bills, just to pay rent! The letter also stated we needed to pay back the money they did give us and penalties adding up to over $7200.00!! Now we are considering filing bankruptcy because we cannot repay all our creditors... Is this something we should even consider?