Donnie, hang in there.  In this economy more people than ever have filed for bankruptcy.  It does not mean you are a loser, just a couple of people going through a rough patch.  No one said bankruptcy would be easy but it is not the end of the world either.  Keep your head up!

Dont feel bad Donnie, your not a loser.  I myself am 57 years old, was laid off due to the economy, and had to claim bankruptcy because of the loss of income so I know how you feel.  I havent had a decent nights sleep for a number of days now because of my situation with not having a job and claiming bankruptcy.  I have applications in but not getting any feedback.  If it wasnt for my wife working, I dont know how we would survive.  But you are not a loser, and for those who may think you are, well, their just ignorant. Things happen to people in life that are beyond their control and shouldnt feel like losers because it happened.  In reality, what you become is a survivor.  Its hard, I just started in this process and its hard for me now and looking at 5 years of dealing with it but it will end eventually and I will survive, just as you and everyone else will.  Just hang in there and remember, your not a loser, no one is really a loser, just a human being trying to survive in tough times.

Update on my situation:

I just received my discharge papers yesterday or the day before.

I filed at the end of August 2011 and cashed in part of a 401K to pay the lawyers.  I asked him if he could lower the fee and he gave me a deal that if i paid him off in two months, he would take $200 off of the fee. I had him paid in a week and a half.

Aside from tons of paperwork, and one lawyer in the same office I didn't care for who I kept ended up with, The process was fairly painless.  The worst part was that I had to give up a credit card for a company that I loved and had for 19 years and wanted to continue paying, but they said I had to give them all up.

I was current on all of my bills up to the day I filed. That really killed me as I always paid my bills on time every month, but my losing my job 20 months ago meant robbing peter to pay paul and it got to a point where peter didn't have anything left to rob, so I had no choice but to file bankruptcy.  If I had gotten another job, I wouldn't have had to do this.

I still have my house since it's in both mine and my husband's names, but all my CC debt is gone ($68,000 worth) so that stress is gone. I still need a job though. *sigh*

BTW I used Peter Francis Geraci and their offices really know their stuff. The commercials are lame, but he's good.