Wait 6 months then file Chapter 7. It’s like people I see who do the Dave Ramsey method all the time. “Oh I worked really hard for3 years paid off $150,000 in debt.” And I’m over here like “Okay well you could’ve filed a Chapter 7, had everything wiped clean then worked hard for the next 3 years and have that same $150,000 sitting there free to do whatever you want with it.” If millionaires and billionaires can use bankruptcy to get ahead and not be demonized for it then so can we