Hiya all,

Rose Thank you so much for your advice. I've done some research and have contacted an attorney who charges a mere $300, compared to the $1500 the attorney last year was wanting to charge me?!

Anyhow, I have done some research and it does look like it is in my best interest. I'm drowning right now. My debt is $12,868 some odd. I think that's way more than I can handle. Most of it is hospital bills. I have an additional $1200 that is not on my credit report.

I think I have to let go of thinking that I am a bad person for not being self-sufficient. My mom ingrained in me the necessity of being self-sufficient when I grew up. Now, it's hard for me to accept help or even fathom the idea that I'm not self-sufficient, but I'm not.

I'm going to let go and let God as they say in 12 step programs.

Love and hugs,
Tara

P.S. Finally, I am feeling some peace about all of this.