Form Number, Form Name, Category. B 101, Voluntary Petition for Individuals Filing for Bankruptcy, Individual Debtors.A letter of explanation enables the borrower to answer any questions a lender might have about the loan application. Considering bankruptcy with a second mortgage on your home? Our Wise County bankruptcy lawyers can provide the legal guidance you need. I am writing to explain the bankruptcy filed and discharged July 2008. I filed bankruptcy due to extenuating financial circumstances. Make us sensitive, 0 Lord to Thy right- eousness and our accountability to Thee, personally and nationally. Help us to order our lives consistent with Thy. Nothing brings more joy to my heart than a fresh lawsuit delivered to my door nice and early in the morning.