TheByz - thank you for the kind words.

SanitySeeker, thank you for sharing how you have dealt and are dealing with similar issues. The point you make about the sun coming up whether or not one worries is an important one.

I am trying to gather a lot of information and advice before we make a decision regarding the bankruptcy. I have mixed feelings. On the one hand, it is a legitimate vehicle designed to help people get a fresh start. On the other, it is a black mark that one carries with them for many years perhaps a lifetime. Having said this, there are many examples of prominent individuals who made a business decision to use bankruptcy. The banks act immorally. You try to negotiate and they tell you to take your business elsewhere. After awhile one can only take so much and must take advantage of whatever legitimate means there are to combat these villains.

It's not crystal clear. I'll gather the facts, try to get advice from trusted advisors and subject matter experts, weigh the options and make a decision. There are pros and cons as well as significant implications any way I go. I truly pray that God gives me the wisdom, clarity and courage to make the most appropriate decision for myself and my family.

Sorry to hear about your experience with the credit check. Thank you for the kind words and encouragement.

Also wishing you the best.