Any debtor under stress must learn that decisions about bankruptcy and credit are business decisions, not moral ones.
Lenders, lawyers, and credit leeches prey on fear and guilt. Before you do anything, you need to find objectivity.
When Chrysler threatened liquidation years ago, Lee Iacocca did not fret over the moral implications of bankruptcy or how bad it would look to others. In fact, the business-like manner he dealt with the crisis saved Chrysler and made Iacocca a household name. In your dealings with professional lenders, are you any different than Chrysler motors? If anything, you are in a much weaker position when borrowing, so why all the angst over dealing with debt in a business-like way?
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