Hi there, Looking for all the help/guidance that might be out there. My situation - I don't have any valuable assets ( car worth 10k), have 3 dependants (2 young kids and a wife who earns 11k per year), I am on a permanent residency visa (801). I currently earn 100k per year base salary exclusive of super. My current unsecured debt is 57k (2 credit cards with credit card debt and 1 personal loan). I'm looking for advice on how to tackle this. With limited assets would bankruptcy be a good option? Or due to my salary would I pay too much to my trustee. Could a Part 9 agreement be a possibility? Keen as as many thoughts/advice as possible. Cheers.