Hi SS,

I sought advice from a bankruptcy lawyer and they have told me to hold off paying for now. It is a bit perverted but the banks won't negotiate until they see you can no longer pay. This is definitely the case with mortgage loan modifications. I am hoping I can have enough cash in a few months to negotiate a debt settlement with the credit card companies.

It is a strange existence. During the day everything appears to be going splendidly because I have this consulting gig but then I come home and am faced with the reality of our debt and the possibility that we might lose our home and have to file for bankruptcy. Despite this I am going to try to be optimistic. Might as well given the alternative

My very best to you. I am sending a prayer your way.