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 - Show Coverage: Godfrey, Illinois Country Days - by Cindy Ladage. Except for last fourth of July's Old Gold show in Springfield, Illinois, I don't remember when it was so hot. Nevertheless, the heat didn't keep vendors and visitors alike from enjoying the third annual Country Day's Event. Jane Elliott said the event was originally a one man show. "Barry Seiler, owner of Country Town Farm Supply store used to invite people up to the Johne Deere store. He would give hats and a free meal for everyone that brings a tractor." Elliott said while this
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