Hey Angela:

Thank you for all the wonderful advice and support. Your kind words mean more than you could ever imagine.

Regarding contacting a Financial Counselor, I've kicked around the idea and as you mentioned and I just need to swallow my pride and do so! I think the tough part of that will be convincing my husband that we are definately at the point where we need the help and that it is okay or necessary to do so!

Regarding my family and their knowledge of my issues, I've determined long ago that the less they know the better off I am. Unfortunately that does not keep them from saying and doing the horrible things that they do, but such is life I guess.

I'll be anxiously awaiting the day of the smile and will keep you posted as to how things progress.

Thanks again!