[Dayze]

Hard decision to make; but I’ve seen Mr. Flopnuts provide some good advice in previous threads; including a ‘bankruptcy’ thread of my own.
Everyone’s situation is different, but I think it’s important to avoid it if at all possible. We contemplated it as we were staring down a foreclosure etc…

But we’ve done everything we can do, and we’re moving/being foreclosed upon (house goes up for auction Thursday). Worked our butts off for a year trying to stay/pay everyone etc. So we’re moving to an apartment for quite a bit less than what we were normally paying; we’re paying off debt with cash we have stashed; and the increased cash-flow will be applied towards the unsecured payoff. It’s a huge change for us, but it’s what we decided to do rather than file BR.

Good luck man; it’s a tough call. But I’ve found there are a lot of knowledgeable folks here on CP that can provide candid advice outside the forums if need be.