Thanks for your quick reply.

Couple other questions-

Are the all of the assets that we have claimed protected? Or just to a certain dollar amt? I've checked out my state's exempt assets and am not sure about the camper, 4-wheeler, dogs. I'm having trouble interpreting. (Consult the attorney, I know). Ugghh... I never in a million years imagined we'd be at this point, personally or professionally.

Thanks for reminding me about the bank. They've played the good guy card to the hilt. It's hard to deal w/them and think of the negative effects. We know the Pres, VP, and our loan officer personally. We all have kids the same ages, go to the same church, civic involvement, etc. But as you've said- in the end, they're just looking out for themselves. We'd really like to have an attorney to deal with everything with them but can't afford someone else's services. Maybe check with the consulting bankruptcy attorney?

So even though all of our business operations have been 50/50, because my husband is the personal gauranteer- he should file just individually? That'd save my credit?

I know.. I should follow your advice, write down all my questions and fire them off at an attorney who can give me answers and options. This is just so much more convenient! (and I'm able to waste time at work...)