You sound like you have a lot going on and are handling it well under difficult circumstances.
Please forgive the unsolicited advice - but I was catching up on your thread and read the part about the credit repair agency. HP- please listen to Wonka and Starsky on this one. This is an area in which I have some professional experience (and have volunteered in the past helping people with their credit situations). Please give a second thought to hiring a credit repair agency. They can and do sometimes make a situation worse. You can do everything they could do on your behalf , by yourself. Starsky was right on about his "myfico" recommendation. Spend some time on that board, and you will get a wealth of helpful information.
