im not an expert/professional this is just my 2 cents. but with the amount of debt you owe i would not file for bankruptcy. go get your engineering job back, negotiate the debt you have many places will let you pay less or at least give you a payment plan. find a good tenant and rent the duplex out. as crappy as it is to have those payments it will help you in the long run. and if you can cash flow rent the other side of the duplex and live rent free you should be in the green in no time, unless there is more to this...obviously alot more information is missing. can you sell your vehicle and get something cheaper?

I still only drive made in USA vehicles, just it's not so easy to spout off that everything I have in made in the USA.

Paying for vehicles or gas = ?

Paying off 1999 debt with 1999 dollars just locks your money into a vehicle that produces no income. 

Keep in mind that there are laws about vehicles and high valued items that will have leins on them. 

For my business, I have vehicles that aren't solely used for the business so we capture those miles in a program called trip log. 

@Eva Mackowski For me, my mortgage is not something I want to play with, it's the foundation of my financial future as it's the vehicle that is providing me access to passive income.   

If you have Other earned income from a job, an ira is another vehicle you can use that is simpler than a 401k to create and maintain and also allows you to save in a tax advantaged account.

Mobile/Manufactured homes are considered vehicles in many states (hence the VIN - vehicle identification number), so it would probably only have details about the features the home came with from the factory.If this is for a pre-fabricated home that is on a regular foundation and such, the manufacturer would be able to tell you about the VIN.Either way, just like with anything used you should make sure you do a full inspection on it so you know what you are buying first!

This contract makes an assumption about other parties unrelated to the contract and by doing so, creates a the vehicle by which prices can artificially increase perpetually.An appraisal contingency ought to be an agreement between the buyer and seller, where they agree that one party or the other or both will purchase an appraisal for the specific purpose of settling the matter of value in the agreement.