I was laid off 6 months ago and have fallen seriously behind on all bills except rent(includes utilities) and phone, and my car pymts are only a little behind. So far nothing has gone to a collection agency. I had a perfect credit rating all my life before this. I own no property or assests, except my car, which is financed. I have only unemployment income, except I took a low-paying temp seasonal job for Christmas. I'd like to put all this behind me via bankruptcy, but some friends say that since I'm judgement-proof I shouldn't have to. What do you recommend?