It feels like everything in my life is up in the air right now. After a lot of soul-searching and due diligence, my wife and I have decided that we have to file bankruptcy and get rid of our home. My emotions are all over the map. On the one hand, glad that we finally have a plan to get back on our feet financially; on the other, the idea of having to leave our home and deal with the whole bankruptcy and foreclosure process is tearing me up.

I am so frightened about everything that might go wrong and the implications that filing BK might have on the rest of my wife's and my lives. I have spoken with credit counselors at the Credit Counseling Center, a couple of BK attorneys, our CPA and a number of people who have gone, are going or know someone who is going through the process and everyone says that, given our circumstances, it's the right financial decision. We live in a very nice neighborhood but it appears we are not the only ones in this predicament. According to Yahoo! Real Estate there are 35 homes in our zip code alone that are in foreclosure, which according to some people that are more expert on this topic than I am means that there are probably 4x that many in default.

On top of this I am trying to restart a business and that has it challenges. There just feels like there is so much uncertainty in my life and I feel so dependent on others. I'm not on solid footing but I am not going to let this get me down (although I will accept that I will be sad and worried from time to time). I am blessed to have a wonderful wife whom I love deeply and who is also a fighter. I just needed to get this off my chest and I am so thankful for the kind support of all the great folks in this community. God bless all of you. And somehow we'll get through it.