The answer to this one is easy. Stop thinking.
In such a situation, no matter what your reasons, you should not even be considering filing Chapter 13 bankruptcy. For a huge number of reasons, it is a far better idea to go with debt consolidation instead, and it is a process that is far more likely to succeed.
Aurora Lillo Editor of the "Best Debt Consolidation Services" website -- http://www.FreeDebtConsolidationQuotes.net -- pointed out;