Muminalice- We've stopped making payment to the debtors that will go onto the bankruptcy, so it won't make much of a difference except to stop the awful harrasing phone calls. As for the tax returns, its partly that but not really, we have some other stuff we need to sort out and we want to sell some little things aroudn the house to try to catch up on things liek the phone bill electricity etc so that its all in order. I think its just the best time for us to do it, also need to be sure that we hae a stable lease on our house as I knwo that bankruptcy can make getting a lease alot harder. On that note have you found it hard (if you rent) to get a place with the bankruptcy record?