How much of the $40k do the car loans, cc, and medical bills represent? How much will the bankrupcy move?
Is there any way to get the income up? PT work, in home child care, second job? Paper route, pizza delivery?
I personally would just keep working the plan with the mortgage company, and not confuse them with extra payments.
If you want to post your budget, we can give you suggestions for cutting unnecessary expenses and to get the snowball rolling.
There isn't any way to get the income up. If I take on more hours it requires us utilizing a paid daycare, which would negate any money I make from the extra hours. DH already works 50 hrs/wk. If he worked more than that, it would mean we never see him, which I personally am not willing to do to our kids. They need to see their parents. I guess I could try posting on CL again for a daycare child since I work two days a week right now...in fact, I do plan on doing that as soon as I can.
We're really bad at a paper budget right now, so we're taking this next couple of weeks to keep track of what we spend so we CAN figure out what we can cut out. Once we have an account of our spending, I'll definitely share.