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You have a great attitude and mlpHolmes is right - this has nothing to do with you, as a person. Times are really hard right now. I also wanted to point out that even Donald trump has filed bankruptcy 4 times. You'll have a fresh start and in a way, it can feel like a relief, when you have mounting debt. You and your wife will get through this. We had to go for mandatory financial counseling - do they have the same thing in the U.S.? It's good to learn from your money handling mistakes, so you can improve in the future.
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 This is our little cutie Bella 
*Practice on-line safety.
*Cheaters - collecting jar of hearts.
*Make your mess, your message.
*"Be the change you want to see" (Gandhi)
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