Bankruptcy isn't the end of the world and it isn't the end of your credit either, although there are those who would disagree w/me. You'll pull yourself out of this, you'll reestablish your credit and this struggle will be a memory, albeit an unpleasant one. Given the times, people seem more willing to work w/those who have less than perfect credit and you and hubby will find just the right place for the two of you and your fur family. There will be no need to go to a homeless shelter. Just hold your head high, don't allow fear to grip you, look it straight in the eye and refuse to bow down to circumstances. Looking forward to pix of your new apartment which will become home in no time.....