We visited the bank this morning. There was very little they could do. Then they found I am a permanent resident and not a U.S. citizen. Suddenly there was nothing they could do.

I know RO will fight tooth and nail for more money. But, when I do the numbers, I don't see how that will happen. Even with a generously low interested rate, our monthly payments will be much larger than we can afford. To survive for more than six months, the store's sales need to triple. In the short term we can pull a few tricks that leave us deeper in debt and deplete our inventory. But fundamentally the store is running deep in the red and my paycheck is no longer enough to cover the difference.

I'm actually looking forward to bankruptcy. I could get my weekends back and RO could get a paying job. With a chapter 13 bankruptcy, I'd could keep the house (and the mortgages) as well as my 401K. We'd lose the business and everything I've put into it, but that's a big hole right now, a hole that's going to take years to fill in. Seven years of bankruptcy on my credit rating is starting to look mighty attractive.