I’m still not clear about how close a relationship you have with this woman, but the fact that you haven’t revealed this information makes me think you aren’t 100% committed to her. Moreover, she is probably going to draw that same conclusion if you continue to hide your imminent bankruptcy from her. I wouldn’t be surprised if your not keeping her informed about your financial situation might be more disturbing to her than the bankruptcy itself. There’s no good moment for this kind of news. So, frankly, I’d just tell her the very next time you see her.

Since you are at least considering marriage, you might be interested to know that this is the kind of crisis that will help you figure out if the two of you are compatible. After all, every marriage is guaranteed to have a money crisis at some point. So you may find that revealing your problem now may turn out to be an opportunity to see if the two of you have compatible attitudes towards money and how to weather financial setbacks. It might actually bring you closer together. If you a relationship that is truly based on friendship, she is going to want to help you with emotional support. You can do your part by being serious about fixing the problem as best you can with the help of a professional credit counselor.