[cma]

They went through pre-Bush bankruptcy-law bankruptcy or post?

http://msnbcmedia4.msn.com/j/msnbc/Components/Photos/050420/...

[gte910h]

One I'm sure was before it, not sure on the others.

[StartingOver]

The answer to that can make a big difference.

[gte910h]

Talk to a bankruptcy lawyer. Initial consultations are free with almost all lawyers. Bring tax returns, summaries of your income, etc.

I honestly don't know about the other two. I know one of them was pre-2005 law.