The area we lived in was sort of stuck in the 1800's.....heck the bank still has a hitchpost for the horse out front.....but we moved now 1400 miles away....and closed all our accounts we could.....the others wouldnt let us close them....but went into something called a default.....so in time, after I get my disability....we will file bankruptcy as per our attorneys recommendation then move on from there. Thanks..