I have read over that process so many times! Haha, thank you for the kind words. I didn't want to file either and felt like BK was a bad word. I waited and waited, only prolonging what needed to be done, and when a company threatened a lawsuit over some medical bills I pulled the trigger. I am glad I did it now though. I am ready to start rebuilding and getting my credit back where it used to be. I already have a capital one card that I kept through the BK that has 7yrs of good history (3 30 day lates maybe) when I check the pre approval on capital ones website I get two offers but fear my BK won't show discharged on my report yet and really don't want a hit/decline.