Hello everyone. I am finally planning to face the music and plan for Bankruptcy filing. I will admit that the very thought of it makes me sick, but what can you do? I had hoped to work out payment plans with my creditors but I have found the debt collectors to be so sneaky and aggressive that I no longer...

Husband has 1 rental foreclosure property (payment approx. $900 mo., it was our primary residence 3 years ago but husband had to relocate from Minnesota to North Carolina. We rented it out to 3 different renters. Each of them lost their jobs. We now rent out for just a small payment ($325) and...