My name is lisa. I am from Pa. married with 2 wonderful boys. I have been considering filing for bankruptcy for about 2 months. I ran a small home based gift basket business for approx. 10 years but this last 2 years has been really tough on my business. It has been costing gradually more and more to market and keep the business afloat than the orders coming in. I had easily paid off a small business loan to start the business in the beginning but within the last 5 years have accrued more cc debt ($18k) I am having trouble even meeting the minimums. So I have decided to cut my loses and close the business.