In NC if you file Chapter 7 it's on your record for 10 years. Seven years if you file Chapter 13.

I'm not at the point where I need to file. I can still pay the minimum every month. I filed last time because I had lost my job and had to use my credit cards to pay rent and buy food (my parents would not allow me to move back home). So I got behind and finally got tired of the collectors calling day and night.

I disagree with you on my therapist. I don't feel a therapist should be judgmental or get mad because I'm not healing on her schedule or tell me what I can and can't talk about in a session. I'm paying to have someone to talk to about my issues and feelings. If she won't allow me to do that freely, then she's not doing her job.