Ooooh. This is a subject I DON'T like to think about! I just move forward with my head down. The depression wiped out 80% of my income, all of my savings, all of my retirement savings, all of my assets, all of my cash, etc., etc., etc. I owe around $60,000.00 Can I ever pay it back? Dubious. I just don't feel like going bankrupt. A stupid prejudice, you say? You may well be right. But at least I'm on good terms with the people in the collections departments here and about. I'm not hiding from them. I owe them money. We just have to put up with a limited income from which to pay ten or twelve creditors. They don't harass me at all. All the evil stories about collections people haven't proved right in my case. That doesn't make the situation easier to bear, though. Anything more than this would just be a litany of things I won't be able to do in the future.