Gary, I don't know if it will help but I would guess that more than 75% on this forum has seen hard times and I'm probably being conservative and I know for a fact that I've had my lights turned off and ignorred many threatening collector phone calls in my journey through life trying to raise a family and pay for a home also lost a business through an SBA loan. My reccomendation is do not I repeat do not file bankruptcy that seems to carry a stigma you cannot get out of regardless of the rules. My guess is you grew up in family that preached always pay your bills early or on time which I think breeds your depression my advice is get over it! You cannot imagine the big money people that either send the payment in on the date it's due or late due to a billing discrepency or whatever a 1% late charge is better than foeclosure plus most lending institutions aren't going to foreclose on 1% especially in these times. My e-mail is open feel free to talk about it.
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Today's Featured Article - New Life for an Old Allis - by Tyler Woods. My friend Jon, has an old '39 Allis Chalmers B. He thought it a marginal tractor that had long since served its time. She smoked terribly and never had much power but he couldn't afford another so he was limping along with what he had. Jon's Allis has a small front loader and though it doesn't carry much, it serves his needs. It was the hard starting and low power that made him think it was time to replace the old girl. Jon called me to help him discover why his tractor wouldn't start
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