Insanity is the right word. Another term that applies is "perverse incentives." Like for me, I worry that if I go back to work, I will lose my County health care plan, which happens to be quite good. My psych care for the past year would have, otherwise, been unaffordable to me. Come to think of it, I am doing the pre-hire paperwork for a job. That is taking forever, but maybe that is good. I get to re-qualify soon for the low income county health care plan. I better drag out that pre-hire stuff, until after I get approved for another year on the plan. My employment has been real unsteady for over ten years due to declining competence at my work, along with severe emotional distress. I don't know which caused which.

TARA, sounds like you are moving ahead with what is needed. I think bankruptcy has gotten more complicated since the new laws that went through in 2005. I'm glad you have an attorney to represent you.