<prompt> Human: Im 31, 4 children 7 years old. Had a rough couple years struggling with being laid off twice in less than 12 months, got in debt, and looking for a way out.Ill spare you a background story and give you a summary:Credit karma score shows 508.Maybe 2500 in misc billsBank Repossessed car - 8500 debt, written off on credit report. Bank offered a settlement for 4800 on payments or 3800 lump sum.Judgement against us for 3800.Bills consist of rent to in-laws of 300m, car insurance, phone bills, and 500m for loan through a friend will be paid off 1st of NovemberJudgement: Landlord sued us when we moved out of his house after 3 years the last straw was because he refused to fix our water in the middle of a harsh Midwest winter. Had 2 babies in the home and he wouldnt fix our furnace either. We rushed out on seemingly good terms, then get a letter for court a couple months later. He sued us for 4800. I had documentation and pictures, but he had a big name attorney and none of the other local attorneys would touch my case because of it. We fought off a couple of his list items with receipts, but judge still awarded him 3800. Did a background check on him during this, found out he sues all his tenants when they move out. Hes in court twice a year for LT cases.Anyway, now were Living with inlaws. Got a new job making 60kyr.We need our own home again, but because of the judgement and bad credit we cant find a rental homeapt. Trying to buy an inexpensive mobile home, but the judgement is again weighing heavy on a MH community denial.I want a home for my kids, but not sure what move to make next.Ive thought about paying off all the misc debts from medical, utilities, and credit cards, and even negotiating with the bank on my car settlement... but Im not paying the landlord unless its an absolute must. Fuck that guy. Im being told bankruptcy is best because I can buy a home 6 months later... Im not so sure.Is it worth it to file for bankruptcy for this little amount of debt? Should I pay off the misc bills and hope it brings my score up enough to get a mortgage?sorry for typosgrammatical errors, tying from a phone  <response>: Did you list all of your debt? As near as I can tell, you have about 10k of debt. If you cant manage 10k of debt and get out of that hole in a reasonable amount of time, you absolutely shouldnt buy any kind of house. Once you get on your feet again, work on the debt using a snowball method described in the FAQ. Youre not at the point of bankruptcy. And mobile homes often come with escalating lot fees with terrible resale value making it really easy to get burned on buying one. 