Five Solas,

I, like you, have serious moral problems with filing bankruptcy. I all too well understand that bad management and financial decisions have brought you to this point, but have to wonder if you have gotten professional accounting advice? Sometimes you are able to talk to your creditors and work out a repayment shedule that you can manage. Most creditors do NOT want you to file bakruptcy, and are willing to wait for you to pay over time, but they want to see a plan inplace and might require the imput and help of a credit councillor. Do you have anyone, friend family or church member, in the credit business that can help or refer you to a agency that can help you?

I certainly wish there was more I could do for you, but will lift this up in prayer for your help. Let us know, how you make out and if there is anything we can do.

In His Hands,

Ruth