how would i conceal it and i am also wondering is bankruptcy for me i have a repossion and a 800.00 credit card my husband has 2 different credit cards a 500.00 phone bill a 400.00 electric bill medical bills late on payments a couch that is still owed 1000,00 on a computer we owe 1500.00 on. and we have a car and we have been late on that can we still keep that