I don't have an answer. My life fell apart in an instant as a consequence I owed my T a month. After nearly five years of going several times a week, he dropped me in the middle of a crisis for lack of payment. He did call afterwards trying to collect but it also came with him asking me not to call him anymore, asking what I wanted from him, etc..It was too much for me and I haven't been able to deal with any of it. I know this, I will never, ever go back into therapy. I know this is probably not the answer you wanted.