As I have said before, I do NOT want to declare Bankruptcy...yes I took on that debt, but 2 creditors also raised my interest rates to 30%, and Im about to lose my job after 10yrs...i have already started applying for various jobs, as unemployment wont cover the bills, still no leads, tried fedex, and ups, no bites yet..hopefully i can work hard for at least a year and pay off some of my debt, even if i work 2jobs..thats the plan for right now, BK is an option though, and i was just wondering if it would have an affect on getting hired..