Hello , I am new to this forum . I am sadden to see so many people in the same situation as me . Bankruptcy is very hard on you and your family . I truly hope each and everyone of us get through this . I have a blog that deals with bankruptcy , credit and foreclosure . Please feel free to visit http://www.douglaslilley.net . I would also like to give you a link about foreclosure . The lender FIRST HORIZON has had some complaints . First Horizon Home Loans = Foreclosures: http://www.bit.ly/amQrmZ