Since this has taken since July 2010, I have exhausted all savings, etc., and have to file for bankrupcy. The only thing that I need to determine is if I will file a Chapter 7 and my family be homeless; or a Chapter 13, and keep my home). It is know reliant on the VA (the claim is inthe decision phase). I filed a letter of financial hardship with a Veterans Services Officer. He said he would get my file and walk it to a "team coach (supervisor)," to try to get it expidited. Has this ever worked?