Thank you all for your kind advice and encouragement. I met with a couple of bankruptcy attorneys and a credit counselor at a Credit Counseling Center yesterday and today. I wanted to explore different options to include a debt management program that allows you to pay in one monthly payment. The problem with this program is that it doesn't really save us any money on a monthly basis and it's a 5-year program. The net of it is that our best course of action is to file bankruptcy. I feel I am getting good advice from people that deal with these kinds of issues all the time, so I believe it is the right decision. I desperately want to lead a simpler life and filing for bankruptcy might give us the fresh start we need.