I'm sorry but I will disagree with you on this. Bankruptcy is not an easy way out. It's darn hard. It involves credit counselling, submitting monthly income and expense reports, paying a monthly fee, bankruptcy court sometimes, and it stays on your credit record for 6 years. Add that to the embarrassment of having to do it in the first place. It's not an easy thing to do at all.
Linda, I couldn't have said it better myself...its not an easy road at all, but sometimes is the only option. Kittycorner, I can't offer financial help, because ATM, we're in very much the same boat, only I don't have two legged kids, just the furry ones....but if you need someone to talk to, just to get things off your mind/chest, contact me in any form that you find listed in my profile, I check in frequently during the day.