Thanks, Frugal & Comet. I appreciate your support.

Comet, we are in Arkansas. We only know about the paper thing because we have friends that just finished a Chapter 13 and they had their names in the paper when they filed. And there were definitely people, albeit a few, that didn't understand and called them about it. DH is looking at changing jobs this Summer and we have no idea how this information will effect things.

And, to throw another kink into things, we are still struggling with whether to include DH's credit card with his employer. It states clearly in the employee handbook that if we file bankruptcy and don't reaffirm the debt, that it is grounds for termination. Although our attorney tells us that this is completely illegal, we worry that they would find another reason to fire him and not say it was because of the bankruptcy. So, we are considering leaving out this account and then later putting it in if DH changes jobs. Has anyone had any experience with something like this?

Once we get this figured out, we should be able to file tomorrow.