(((((((((Mary Alice)))))))))
I wish I could use a magic wand here to wipe away all of your suffering.
I went the same route as you hun regarding meeting with a lawyer but was able to avoid it as we have credit counselling orgs here in Canada (not sure what they are called in the US?) and I was able to work with them to avoid filing for bankruptcy. Is there anything I can do to help?
Gosh hun....I am so sorry

. I am worried about you.

Heather