You spend all day and night listening to your L'il Wayne albums. After three years, you recognize that you have accumulated $271,000 in debt, but only have $14,000 in assets. You debt includes $158,000 in credit card debt, $51,000 in back child support, $19,000 in recent back federal taxes and $17,000 that you borrowed from your mother. Would it be wise for you to declare bankruptcy? Take me through all the factors that you weighed in making the decision.