I guess you mean that you make more than the median income for a family of your size, and therefore don't qualify for ch. 7 even if you end up deeper in the red at the end of every month, after paying all of your bills and debts.
You shouldn't have to quit your job altogether, but only reduce your income enough to not exceed the maximum income allowed. You should then be able to file for ch. 7 and get any non-secured debts discharged up to the point that you have no more than $100 left at the end of the month, after paying your living expenses and secured loans off. If you would still be in a bind after this, then you can either reduce your living costs, sell any equity you may have in items bought thru secured loans, or allow the lender to reclaim his "security" on these items. Remember, although a car and a house are generally bought thru secured loans, once you get the bankruptcy they (one of each) are exempt from seizure, even though the debt is not discharged.
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Re: HELP!!!
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