<prompt> Human: So through bad decisions, poor money management and other issues I owe just over 12,000 in debt. Currently I make 45,000 a year. I have a fiance who has a daughter and we have a child coming soon together. I can pay off 5 of the debts and still have about 10,000 left. I am trying to decide if bankruptcy or paying them off is better. I rent currently and would like to buy. I realize by filing for bankruptcy it would be several years before I could ever purchase a house but it would probably take the same to pay off my debt. My fiance only works 2-3 days a week right now and will for a few years until the 2nd child starts school most likely. I am also attending school again to extend my career but it will be 2 years before that is done.  <response>: You owe only 12k in debt. Be a man and pay off your debt. 