Ok, Manny I have your spreadsheet. I took a quick look but I’m about to crash.
Couple things… what do you mean the sort “almost” works?
What I see is, I think, good news. Your problem is not the nearly blank rows with nothing filled in but the last two columns. The problem is rows 12-17, with the vendors you presumably already have accounts with, but no outstanding balance. Those need to be changed from blank to “0”. If you do that, the list sorts fine in both directions, and the rows with banks in the Balance column stay at the bottom. This works even if you select the range of cells all the way down to row 35, which presumably is how far you thought the list could expand to. I’m basing that on how far down you extended your calculations for “Pmt Due?” and “Payments @ Min”.
I would also change the formulas in those two columns. Note how in rows 12-17, it says YES, payment is due, even though there is no balance. I would change them both to some kind of compound AND formula, to do your calculation only if there are values in at least one of the calculated fields, and to display a blank cell if the rest of the data in that row doesn’t exist.
I’m not thinking clearly enough to work on formulas any more tonight, but I’ll give it a shot tomorrow if you need help with changes.
But really, filling on “0” in those five rows will solve all your sorting problems, and you can define the cell range down to row 35 right at the start so the macros will sort that whole area. Just make sure that when you add any new rows, not to leave the balance or APR fields blank.