I don't know you, but I do care. I've had to do without heat in the winter and cool in the summer and it sucks. What sucks worse is when your family has to suffer...so I'm feelin' ya man! Like JD said, family. Family is forever, the bankruptcy as much of a nuisance as it is and a thorn in your side...will be gone eventually. Keep holding on. For your wife. For your babies. Good luck with your gig!