Well I have a question on which kind of bankruptcy I should file? My situation is that I owe around $40,000 in credit card debt or around $800 in min. payments each month that starting this month I will have to stop paying due to a decrease in my income. My wife and I live in Illinois but only I want to file bankruptcy. She is not on any of my cc. We do have a house and a car and these payments we can make without a problem so I would not want the home or car in bankruptcy. Lastly I am self-employed. Oh I can keep paying 3 of the cc the min payment but if I plan to file bankruptcy should I stop all the payments? Thank you for any knowledge.

