If you want to continue daycare couldn't you just get a liability policy? When I first started out I got a policy from Michigan Association of Child Care Providers in Livoina MI.
Otherwise I would just be honest and I think you'll have to forfeit you paid vacation.

It sucks when the bank won't work with you and with the economy sucking so bad MI, you would think that they would want to help people keep their homes. Their are so many bank owned homes where I'm at and most of them have been sitting empty for over a year. Hopefully brighter days are ahead for you and your family.

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