No, but i am about to. and like Anon 921 said, our lawyer told us the same thing that we will get offeres within 6 weeks of filing, but to turn them down. and within two years by LAW you have to be considered for a mortgage, it may be at a higher rate but you will be considered. and because you cant file again for 8 years you are more likely to get loans and credit. they only thing that chaged with the laws are they make you have to qualify to file. a family of 3 has to make less than 60K a year. Good luck and do not feel bad for a decision that you are faced with, we do what we have to for our family.
at 10:46 PM on Apr. 2, 2009