Chapter 11

What do you do when your accountant says YES, but God says NO? Everyone faces their own Chapter 11 moment…bankruptcy, job loss, a devastating medical diagnosis, a troubled child. These moments of adversity often take us to the bottom—a dark place that can be frightening and life-altering. Janet’s story shows that in moments of loss, despair, betrayal, and temptation, individuals can discover transformation, renewal, and purpose. Even when staring up at what seems like an impossible mountain, there is always more than one way forward. The question is: Whose voice are you going to trust?


In early 2002, an accountant told Janet Chihocky that her company was in such dire financial straits that she had no choice but to file for bankruptcy. A go-getter from an early age, Janet had been blessed with unlikely and amazing professional opportunities, the best mentors, and a willingness to work hard and never give up. Until now. Would her mistakes and failures suddenly bring it all to an end? Or could she trust—despite the experts' advice and mounting evidence to the contrary—that God had a different plan for her?


Janet has made her unique story applicable to both women and men who want to take risks, insist on doing what is right and persevere, against any and all odds, in the pursuit of their greater purpose in life.