[maineldc]

Wow, this is a tough read. I know things look bleak right now, but I think you need to step back and realize that things are going to be fine.

First off, start looking for a job. I know that you are worried about credit reports, etc, but if you are good, someone will hire you. Don't assume that you will fail to find a job because of this.

Second, consult someone knowledgeable about bankruptcy. I don't believe your house will be at risk and you will be able to start fresh without the debts weighing you down. Bankruptcy isn't a personal failure (this is possibly a controversial statement but I strongly believe it).

In short, don't give up, don't assume that job search is hopeless before you start looking, and just try to make progress a little bit every day. In a few years this will be distant memory.

Good luck.

[StartingOver]

Thanks for those words. :)