Thank you! Yes, I know he will not be protected, but he is judgement proof.

I am still hoping I won't have to file. I have tried very hard to get forbearance agreements but they just refuse to talk with me. It is like they would rather just write off $200,000 in my bankruptcy then have to accept responsibility for a write-off even if it is a much lower amount.

I feel terrible for their stockholders.

This is a position I could never imagine I could be in.