Hi everyone -- all you oldies will know me...everyone new -- welcome it's a great board.

I just thought I would come back "home" and let you all know that I haven't fallen off the face of the Earth but just in a very low spot.

It was finally decided that we needed to take the bankruptcy plunge and I'm having a hard time emotionally with that as I struggled for a long time to not have it come to that but the mortgage company forced our hand and hopefully it will be the right decision (man I wish I had a crystal ball at times).

On the good news front -- DH is working now with a great job -- almost what he was making way back in 2003 when life hit us upside the head which is why it stinks to have to file now that we could pay but no one would work with us during the unemployment so we can't catch up.