Ava, a Los Angeles single mother earning $142,000, called "The Ramsey Show” to weigh whether bankruptcy could be her way out of crushing debt. She said she carries about$100,000 in credit card, a $4,800 mortgage and a$125,000 home-equity line for a backyard guesthouse. "I'm trying to see if it's worth me possibly filing bankruptcy or just grind it out and keep paying debt," she told co-hosts George Kamel and Jade Warshaw. Paycheck Versus House Payment Her monthly take-home pay is about $9,000 after de ...