<prompt> Human: We moved across states due to personal reasons; it did not go smoothly. One vehicle had engine blow out while hauling a UHaul trailer. We were a little in the hole but in a way that was manageable with enough time. I had a job waiting and we had a small venture on the side which is bringing in some money too.Later, my wife was hospitalized for 11 days, and I took leave from work to care for her and our 4-year-old daughter for 2 months afterwards. We burned through savings then used our good credit to secure promotional 0 interest loans and whatnot. Problem is, we had already used credit to help with the move, so the debt was adding up.We were hoping that by some miracle between the hospital and our insurance that we would catch a break on the hospital stay. Today we received a 5000 hospital bill for the stay itself.At this point, in addition to the new hospital bill, we have nearly 15,000 in credit card bills. Fortunately, it is all sitting at promotional 0 interest, with about 4,400 beginning to acrue interest starting in September. The rest is 0 for much longer. Maybe I can do this?Im back at work full time, with my wife and I contributing to a small side venture as we can whole I work and she parents our kiddo. All together, we make 2400-4000 a month, with so much variance due to my full-time being commission based and the part time varying in earnings as well.I have always paid my bills and havent ever considered bankruptcy, so I dont actually know much about it. It might be the best option though, rather than climbing out of this hole. Would I be unable to buy a house for a full 7 years? Are their less dire options? I need some good advice. Feel free to ask questions if it helps you help me.  <response>: 20,000, especially if youre not currently super behind and its mostly at 0, is definitely NOT worth filing over. You can do this! Budget carefully and tackle the parts that will start accruing interest first. See if you can set up a payment plan for the hospital bill. Bankruptcy should absolutely be a last resort. While it wouldnt totally prevent you from buying a house or getting other credit during the 10 years its 10 years for Chapter 7, 7 years for Chapter 13, it does make it harder. Depending on your income, you may not qualify for Chapter 7, and Chapter 13 leaves you paying back most of your debt anyway, so its probably not worth it in your case. 