We met with a Bankruptcy attorney on Friday. We will be filing Chapter 7 as soon as we come up with the $1350 in costs to file. The attorney was VERY nice. I had thought I'd feel like he was judging us...or looking down on us. But in fact, he made me feel the opposite. He made me feel like this was a good option for us, given what we have in debts. That we shouldn't be ashamed that it's come to this. I'm still not happy that things have gone this way...but it's a HUGE stress relief knowing that I won't have these bills hovering over me anymore. That our creditors won't be able to call us and harass us. Though it does go against everything I've learned to NOT pay our creditors...but that was his advice. Stop paying, save the money to come up with our filing fees, and file.
We're also looking into a loan modification for our mortgage.
This is a hard road to be on...very rocky and uncertain for us. But we're trying to remain in the center of the road so we don't fall off the sides.