I've had a hard time throughout this whole thing (for the past three years) making any contact for myself with regard to bills. I could have prevented the car being repossessed by calling them earlier. I'm back in the spot where I can't even open any of my mail, it just piles up. And this keeps happening, and I feel all of the "20/20 hindsight" regret and all of that stress, but it doesn't motivate me to do anything the next time.

I really like the idea of having a social worker help me out with this, I've been thinking about this for some time... but once again have trouble acting on it.