Bankruptcy
A Bankruptcy is a legal means of dealing with debts that for one reason or another have now become impossible to pay. If your income is still enough to maintain the car and house, and it just credit cards or other unsecured debts that is the problem then the Chapter 7 Bankruptcy can discharge those debts and allow your to start over keeping your present car and home.
If you have fallen behind on the car and house also then the Chapter 13 Bankruptcy will help you keep those things as long as the income is at least enough to continue making the payments once the bankruptcy has caught you up. The bankruptcy has rules that both you and the creditor have to go by, This is why you need to talk to a Bankruptcy Attorney when a major change has happened to your income.
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