I have my paperwork prepared, check for half of the attorney fee (ouch...don't have this right before Christmas with no more credit available!) written and have stopped paying my unsecured creditors as of the 9th...After all my worrying and planning I'm suddenly sick and unsure whether I should proceed....

I have just today missed my first credit card payment.

I am dreading something happening between now and when I file. I need to wait six months for some things to straighten out and also to save money for attorney.

I am walking away from my house and all the cards...