<prompt> Human: I have over 40k in debt, 30k of it is Cc debt. My debt to income is basically 1:1. I am currently living in an apartment. If I file bankruptcy on my CC debt to increase my debt to income, would I be able to get a loan in the next year? I am planning on keeping my car payment and one of my CC that I have paid off. I have never missed a payment in 10 years on any of my 12 cards. I just have no extra money to even begin to pay down debt, let alone a down payment. I have already tightened my belt to the last belt hole. I just dont feel like Im getting there.  <response>: If I file bankruptcy on my CC debt to increase my debt to income, would I be able to get a loan in the next year?Absolutely not! Thats not how it works. The debt doesnt just magically go away. 