If I could kiss these guys, I would - but that would probably scare them coming from an old grandma like me. I didn't actually file for bankruptcy protection as there are laws out there that protect people after foreclosure. Mr. Ariano explained this to me in a series of meetings (we had three of them, to be exact). And he didn't charge me for any of his time. Who else is going to give you free bankruptcy advise that is actually worth something?