Surviving bankruptcy. It's 7yrs here that it is on your record, but after 1 year you can get credit again - not that you should.

There came a time I could no longer manage my debt and had to declare. It was the best thing I ever did as it overnight took away a huge amount of anxiety that was consuming my life. It hasn't been easy. I have no tv and use the library a lot. I have an old rickety car for summer and rely on my two feet and bus for winter. I just had to remind myself that certain things were not a 'right' and that I had no choice but to do without them. I don't live in a pretty apartment either. But I am getting by. I stress that I have realised I am not owed anything, nor are finer things a right.

Only you are responsible for your finances. This is something that was really hard for me to accept. I had a great deal of anger towards my ex husband for leaving me high ad dry. By I had to accept it was up to me to fend for myself.

I really don't think your therapist sounds bad at all. SHe seems to be doing her job.