My question involves bankruptcy in the state of: Fl
I lost my job in 2008, I have acuumulated around $80000 debt on 5 credit cards, balance keep going up on the daily expense, some of the money was lost in stock market, I was trying to trading stock for living, and failed, and my house is under water, my wife has her own credit card and bank account, she doesn't owe any debt, I currenttly have $17000 in my bank and $40000 in my IRA account, all my payments are current, there are two cars title under my name,I made mistake to transfer 2008 toyota Siena(paid $25000 off) to her name on march 2009, the 2002 Honda accord ex is still under my name, if I file now I will lose my cars, my parent are in other country, I can liquidate all my asset and move whole family out of us to live with my parent, offcause I will get default judgement, can I come back five years later and file bankruptcy? or is there any better option?

