 Filing for Chapter 13 bankruptcy. I don't care if the credit goes bad. We don't ever plan on taking any credit ever again, so it's not a concern for me. Negotiating with the credit guards for a lower payoff of the credit cards. Or the third one, just forget everything and just attack them with a gazelle intensity and pay them off. What would you recommend? Chapter 13 bankruptcy is five years long, and there is a formula used...