I make over 100K a year and it's not enough

I'll tell you why - we live above our means. We don't just settle for what we need - we get what we want and when we want. You need to evaluate what you have and where you have it. Have you tried talking to consumer credit counseling? They might help better then filing chapter 11. And also if you are going to go that route, you might want to see the plus's of filing chapter 7 instead of 11. The 12k car you have, is it paid for? If it isn't, sell it for what it is worth and get a cheaper car. You don't need a brand new car. Start shoping at thrift stores if you don't already - that saves TONS of money (after all, it's just clothes right? When I had my son, we went from a 2 income household to a 1 income household and it was rough on us and still is because I am only just working parttime. What about getting a smaller house that way the mortgage payment isnt so high? There are options, just look at all of the options you have.

All I can say is you must be doing something wrong if you make over 100K a year. I'm 60 years old, went to college, raised 3 awesome kids in apartments, always had decent cars but probably never one that cost 12k, had daycare and utility bills just like most single moms did. And I never had to even think of filing a chapter 11. For me I think my saving grace was paying cash for everything. If I didn't/don't have the cash then I'll do without until I do. That always seemed simple enough to me and believe me neither myself or my kids ever did without anything. I've heard a lot of horror stories from people who have done it so I hope you're really looking into this before you do it. Good luck and welcome to mylot!

I'm gonna make this very simple: It's not how much you make. It's how much you keep.

Wow you need some financial help asap. we live on half of what you are making and we are doing fine. You need to learn how to spend money and it comes with the security of how much you get the more you get the more you think you can spend.

Maybe it has something to do with your lifestyle. better choose the one that will fit only your income. And avoid accumulating too much debt. If we will spend more that we earn, tendency is we will slowly be burried into debts till we can no longer survive.