my hubby and I have just got back from seeing a credit counselor who recommended bankruptcy we have a appointment to see a lawyer in two days. I'm feeling really sad about all of this and don't know what to expect. Our bills are all cc debt we are current on the house and never was behind with them so I'm hoping we get to keep our home it's the one thing that matters to me as it's been my family for many generations. We were keeping our heads above water barley and I just could not take it anymore and want to live a cash only lifestyle which will be a major change for me. I feel like a addict who is just gonna start rehab. Pam
![sad](https://www.bkforum.com/core/images/smilies/frown.png)
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