(Not to mention Court costs and Attorney fees...)Bankruptcy is a tool to help you get back on your feet.

She would not let us proceed to repair until her demands were met. 

A landlord can begin eviction proceedings for several reasons.

Yes the 4 children who want to sell can.In Oklahoma any of the owners may file a Petition with the Court asking that the property be "Partitioned."

As soon as possible, take net proceeds from rents and make large payments on the refi to restore your cash-flow.

If you checked someone out and found out that they were arrested for theft in 2007, but they were never convicted, how would you proceed?  

Not an easy thing to prove, and you would likely need a Creditor's attorney to represent you at what is called an "adversarial proceeding".Otherwise, as long as a person qualifies for bankruptcy, they can torpedo your collections efforts as they wish.

It takes about 5 minutes on the clerk of court's site.

It doesn't go on their record, you don't go to court, and it is just a NOTICE to them that their rent has not been received.But even though it is just a Notice, it is imperative you send it to the tenants the first day rent is late because you can't even begin the eviction process unless that Notice has been sent. 

This way, it is considered rent and can be part of a rent court issue rather than a more difficult/separate civil court issue.