Yes, it is not an option for us as I don't have the money to file and will not protect my house because my house has liens on it that I have to get removed, the liens are over 10,000 from medical bills. I wish it were that easy, thanks for the concern, and have a great holiday. The house is the most important for me to save as I don't have credit to get another, and God forbid I get sick again, I want my family to have the house. I don't want them to worry about where they have to live. That means more to me then anything. Family and friends are all you really need, and I see I have a lot of them, as I am so blessed. Once again thank you all. Peace and love Brian