How serious is it to SWA if you have to file Chapter 7 or Chapter 13 during your first year as a FO? After being unemployed for 9 months, things are pretty rough. I know the pay with SWA will be better the second year, but right now with a new baby and hospital bills, and my wife being laid off too, things are pretty grim. Do they check your credit report when your probabtionary period is up? Are they pretty understanding about the situation in the industry since 9/11? I always frowned upon people who took bankruptcy, but now I see sometimes you're left with no choice. After finally making it to SWA, I don't want to screw anything up.