After living life and creating a safe and secure home for 3 beautiful children the bottom falls out. My wife loses her job at the local medical center, in an effort to stay ahead of the economic storm that is about to hit we take aggressive action to minimize the impact on the family. We secure jobs and move from florida to ny. We rent the house to "trustworthy" folks and take the plunge. After being in ny 5 months I am laid off due the economic slowdown. Those trustworthy renters, not so trustworthy. Forced to put florida home on the market in a short sale situation, lots of lookers, not one offer. Locate job after 6 months of unemployment, return to work with a financial hole the size of the grand canyon, credit cards, school loans, car loan plus a mortage on a property that is losing value by the minute. Struggling to regain our footing after such devastation has been tough beyond words. Finally decided to abandon the idea of selling the florida house when we could not get any offers as th easking price quickly fell to below what we paid to build it. We realized that we needed to declare BK in order to protect our financial. We are now trudging through the early stages of this process. We are struggling to wrap our heads around this. How did this happen? Everything was going great...then bang, the bottom falls out. We know we are not alone, but it sure does not feel that way. We might as well be members of a leper colony. Everyone has an opinion, very little advice is helpful, we are forced to trust the professional advice of an attorney we hardly know and begin to question every little detail of this process; partly because we don't want to make a mistake, partly because we feel guilty about it, partly because a certain level of paranoia sets in and you begin to question everything, don't want any surprises. What an unbelievable disaster. I guess the important thing here is that the family is intact and there is hope for the future, somewhere in those stormy skies above us.