[prfsdad]

...if bankruptcy would help? my mortgage is the only financed credit i have. have a few personal loans, and cash advance loans. i need advice.

[Flyby]

Check with your lender and see if they can help you put some payments to the end of your loan or perhaps refinance with a better interest rate or lower payments. Some mortgage companies such as Country Wide are making lower interest rate loans to people who are having financial difficulties. Check to see if there is a Consumer Credit Counseling Agency in your area. They work with people who are in financial difficulty to get back on their feet by working as an intermediary with the creditor and debtor.