My ex stopped paying our mortgage so our house (wh
My ex stopped paying our mortgage so our house (which I moved out of) is in foreclosure. It has killed my credit. He has also left me with about 40,000 in credit card debt and three kids to support. I can pay the debt off over time, but given that my credit is already in the tank with the foreclosure, should I just declare bankruptcy? I have a good job and good family support, but not having to pay the 40,000 will put me back on my feet much quicker. On the other hand, I want to repair my credit and move on as quickly as possible. I'll need to be able to rent a place in a year or two (living with family now).