Hi Kat. Wow, you actually managed to pay 13 creditors! That is fabulous. You should be proud of yourself. You settled on a payment schedule with 2 others! Wow!

Why not tell your T how proud you are of your accomplishment. Only one more to go. Hopefully that is not too big. You can find a way.

Good for you not cutting or hurting yourself. That is great. Keep up the good work.

Have a good meeting with your T.