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Broseph. It sounds like you haven't done this plan yet, and I hope you haven't. I have done it, but differently. At first getting in over my head, and then purposely maxxxing and tanking my credit to put myself in a better spot. There are finance kike shills EVERYWHERE on the internet, certainly on Reddit and they will spread bad advice so they can get paid. Bankruptcy doesn't do shit to protect anything; all it does is list your assets in sworn court documents so banks can squeeze whatever they can out of you to repay unsecured debt and force you to sell shit to pay the kikes. Don't bother with bankruptcy, it's a collections scam. You don't want to show up to a kike court, they're not going to help you and you won't be able to legally lie or hide assets to protect them.

Maximize the return on your debt maxxx. Run up all your unsecured lines of credit to the absolute maximum, buy shit that is either going to be easily converted to cash, stuff that will help you make cash, or stuff that will make you self sufficient to save cash. Make at least one partial payment after doing so, so it looks like you're trying to pay it back. Then just stop. Don't pay them anything else on UNSECURED credit lines. Now is the time to get rid of any loser secured lines of credit too. Way upside down on a car? Now is the time to stop paying, let them repo it. You'll have only a couple days after missing the first payment before they all get word and start cutting your limits, closing your cards, and freezing everything, so get all of them done quickly.

As soon as they start collections calls, tell them to stop calling and mail letters. They legally have to stop calling you. After 90 days they'll send you to collections and write off the account and stop the negative reporting. The collections company will start calling, tell them the same thing- they'll stop calling you too. Don't confirm the debt, don't do anything to help them find you, don't talk to them ever other than to tell them to stop calling. The collections companies never even reported to my credit report. I did this over two years ago now. My credit score tanked to like 450, and is now up to almost 600 again and I expect to be able to get credit cards and whatever else again next year. I had around $140k in unsecured debt and an upside down car (worth half what the loan was) that I was paying around $5000/mo on and they probably would've had me debt slaving for at least another 20+ years at the way things were going with their 29.99% APR bullshit. Keep paying your mortgage and car payments on cars you want to keep and they won't mess with those. AMA