in our state (michigan)income is not a factor or the did we have to own a home. i was working part time and so was my husband at the time. we also rented.As for all the background checks the is true. They are really care ful not to place children into situations where they will someday revisit the system. But it is all worth it. The total process took 6 months. After our first adoption the others were pretty simple.
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