[Lillygirl]

HI,

My husband and I are planning on adopting, we have the agency all picked out and actually have our application accepted. But, before we send in our first agency fee we have a question.

After 911 my husbands job went belly up for a while (it is a chemical plant, not so popular then) and we had just purchased our home. We had no money, no equity. so the bills just kept piling up. We paid the mortgage and car (late some) but the rest of the stuff we just couldnt pay. Well, 3 yrs later we are finally back to normal. BUT our credit is history! We have no choice but to file bankruptcy. There is no way we could EVER catch up after that long..

My question. I know they say they dont run credit checks, but do they ask about bankruptcy? Should we file bankruptcy before we start all the homestudy and all.. then wait a few months?? or should we do all the stuff then went its all over, file bankruptcy??

What do you think? Any opinions on what the agencies or homestudy folks will say??

Thanks,
Lilly