My boyfriend and I have quite a bit on our minds lately. It looks like we're going to have to file for bankruptcy.   About two years ago we decided we were just going to go for it and buy a house. We were sharing a very small apartment and we started to feel like we weren't safe living in that area anymore. Sometimes we would come back to our place late in the evening and find someone sleeping outside near our doorstep or we would find a bunch of broken glass bottles all over the ground. Anyways, we didn't have a lot of income but we both felt we could make it work. Unfortunately we put our trust in the wrong people and wound up getting one of those predatory loans and our expenses spiraled out of control. We're going to have to make an appointment with a bankruptcy lawyer to discuss our options, but thankfully we have them! At first we both felt like it wasn't an option but the more we realized what we could do once we lightened our financial load we started to feel pretty optimistic about the whole thing! I really feel this woke us up. Now we're making more responsible decisions and we're really looking forward to wiping the slate clean.