Settling Debt

by Leah
(Jefferson City, Mo)

We have settled all credit card judgments except one, in my husband's name. My husband and I are both on disability. The house is in my name and two cars are jointly owned. We have used most of our retirement savings to get to this point. We have been working with an attorney, but the advice now is to file bankruptcy. After all this work that sounds like bad advice. We never even considered it, preferring to pay the bills. Any advice?