This is the first that I've really been scared. I had two accounts that I couldn't pay anything on. When I say they are calling every 2-3 minutes, starting at 8 in the morning until 9 at night, I'm not exaggerating.

With the phone line unplugged, I don't hear the ringing. I know that I should do something - and quickly - but I'm frightened. I spent the money, I have to pay it back. Or file for bankruptcy.

Right now, I'm just avoiding the problem. My therapist knows. It was my first manic episode 3-4 months. Now I get them daily but I don't spend.