Husband lost his job over 2 months ago received unemployment now ex employer is filing a appeal we have over 45.000 in credit cards i went into the debt settlement but it wasn't for me so canceled now in a credit counseling plan but costing over 1000 a month i do work i make a income but we are so over our head in debt
The unemployment appeal is a separate issue from your right to go bankrupt. You will want to continue to fight for the unemployment benefits if he is entitled to the benefits.
In Texas, most of the property of the average person is going to be exempt from creditors. Even if you go bankrupt, you must continue to pay the loan on your house and loans on your cars, because these are secured debts, (meaning there is a lien on your home and cars until the loan is fully paid).
The most logical area to cut back is on the $1,000 per month that you are paying on the the unsecured credit card debt. While you obviously want to honor these debts because they are owed, you need to prioritize between the secured debts and the unsecured debts. So you may be able to avoid going bankrupt at least for a while by cutting back on the $1000/month.
Down the road when you bring in more income, you can consider adding back payment of the unsecured debt.
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