Please advise. This economy is making me crazy. My husband who is in his 50's has been unemployed for 8 months (laid off-the company he woked for went bankrupt). My business is about to close due to the fact that no business is happening any longer- due to the economy. We are going to have to file bankruptcy because we have incurred a lot of debt trying to survive. I am concerned now that with our credit deteriorating we will have an even harder time findiing jobs, since everyone checks your credit. We currently have excellent credit, but I can no longe keep up with the bills. It just seems like a viscious cirlce we can't get out of. Do you have any advice when applying for jobs when you have bad credit? Also, we don't have any assets to speak of with one exception that is really not ours and a car with a value of about $6,000.. My grandmother became ill about 5 years ago and put her mobile home in my name in case something happened to her, she needed heart surgery. Everything worked out fine fo her, but the trailer was left that way and now I fear if I file bankruptcy it will affect her, when really the trailer has never been mine. Is there anything I can do to protect her? She now suffers from cancer. The mobile home is of little value and she rents a spot in a park.