I've got a client who lives in the KC area who is going through a similar situation. If anyone knows of any good bankruptcy attorneys in the KC area please let me know.
At some point you have to know when things are upside down to a point that you can't sustain it. Check out my website, and feel free to hit me up for a rundown of where you're at and what your options are, cost and obligation free of course.
www.thenegotiationstation.com