Hello all!! I've just coming out of a mental time-out or something!! How is everyone?? I've lurked a little but missed you guys and will try to be better about responding to others' posts. Financial woes: I can't work 40 hrs/week with difficult child and the current state of things. So, I have to pay insurance out of pocket. I abhore(sp) the idea of public assistance for insurance due to the limitations it puts on us- especially since I know how I feel about the county mental health dept. Plus, if I wasn't paying the insurance out of pocket, I wouldn't qualify for public assistance. SS doesn't seem like the right route either. But, given this, I am not making enough to cover the bills. I used to be debt free and had a little in the bank for house projects and emergencies, until difficult child got into trouble 18 mos ago and then my bro filed for custody. Between loss of benefits at work, loss of pay, attny fees, difficult child's restitution (which I still owe on), etc., I have had to put our groceries and clothes, etc., on credit card for over a year. Now, my monthly expenses are even more. I'm just digging myself in deeper. I couldn't sell the house right now even if I wanted to. Will bankruptcy solve this? I don't know what to do. I don't want to have to put difficult child into foster care over this. Does anyone have any suggestions? I transferred most of the CC debt over onto a prime equity line because the interest rate is so much lower and it is a tax write-off. But, the housing market has fallen so much that now I'm worried about that. If I filed for bankruptcy, I don't think it would clear that. I'm scared and don't know what to do but I have to do something. Pretty soon, I won't be able to pay the regular monthly bills.