I’m still not sure which route I want to go.  I don’t know if credit counseling will be able to help me enough, but at the same time, I’m not too sure that I’m mentally prepared to handle filing for bankruptcy.  I’ve visited the websites of the top Detroit bankruptcy law firm and of Michigan’s most trusted credit counseling service and both seem very competent and potentially very helpful in the services that they offer.  I just don’t want to waste the time of going through credit counseling if it isn’t going to do enough to fix my problem.  That being said, I sure don’t want to get knee deep into the process of bankruptcy and effectively destroy my credit for the next ten or so years if there could have been an easier and less damaging solution to my problem.  All I know is that I have to make a decision soon, or the repo man will be knocking at my door.  I wish I knew someone who’d been through each of the processes before so I could get a good feeling for exactly how much credit counseling is good for, and for exactly how damaging filing a bankruptcy can do so I could go ahead and confidently pick what would ultimately be the lesser of two evils and get this whole thing over with.