1.  Preserve your ability to obtain a chapter 7 discharge for the future in case you need it in the next 8 years.

2.  Catch up late mortgage payments.

3.  Lower your monthly car loan payment.

4.  Delay state court collection of delinquent child support.

5.  Delay state court collection of delinquent student loan debt.

6.  File bankruptcy with less up front money down.

7.  Walk away from a house or car loan that you do not want to keep.

8.  Spread out payment of attorney fees over time.