From yesterday’s NYT an article confirming that things are a little scary. “Downturn pushes more into Bankruptcies.” http://www.nytimes.com/2009/04/04/your-money/04bankruptcy.html
This article explains that the tightening of access to credit is what is driving more families to file. And it’s coming on fast for many people at once because so many of them are recently laid off and can’t find the credit that could shore them up until they find another job.
Is your family feeling this too? You are not alone, and you might have options.