BK is not a bad thing, especially in todays economy, more than likely you will get to keep everything but your debt. I understand wanting a good credit score, but to be honest for what purpose ? Its just a number that has been put on you so they can give you more $$$. Make yourself rich not someone else. I filed BK a few years ago due to debt and illness and didnt lose anything but credit card debt, I kept my house and my cars, no more calls all day, and money in my pocket. Just my 2 cents.