It has begun

[Cammy]

I know that most people who have to resort to bankruptcy arrive there a a last resort. Where we live (you and I), you will have had to undergo a series of counselling sessions in order to fully apprise you of all the ramifications. The counselling will also have explored all other options before the decision to file bankruptcy is made. In view of all these things, you are obviously doing what is absolutely the best thing you can at this time in your given circumstances. Like Mosaic pointed out, it is not a pleasant thing, but it is also a way to clear the decks and get a new start at things. I have nothing but good wishes for you as you enter this process and am sending you waves of support. I am sorry that you have come to this juncture, but now you hopefully can begin anew to rebuild.