Just a thought about this. Are you at all concerned about paying back all you owed to the credit cards or other outstanding debts? If not, it is possible that you want back the therapeutic relationship with the former T. The termination wasn't your idea? I'm gathering.

Morally, your debt and obligation has been paid back by through the bankrupcy. Emotionally, are you still wanting back, (a therapeutic relationship) what you had?

Good luck with getting the feelings sorted out. I know I missed my T when we were finished. But we terminated because I felt whole again. I told him what a loss I felt not coming to see him anymore. He was always very gentle and what he told me was that I needed a "substitute" for him. He helped me with so much. I choose to get my life back as best as I could, like they say, "warts and all". Depression is the pits, thank God my medicine is working and some of my therapy comes back to remind me there is life after therapy

Maybe that's called acceptance? I still obsess, still feel sad but I have so much more when I participate in life.

Ya know what I mean? Hang in there and know you will do what is right for you. Donating the money sounds like a good idea as long as you truely don't or won't need it in the future. Find a mental health organization to help education others about mental illness, or like someone else wrote, to a charity your former T supports.

I hope this didn't sound too harsh, I mean it in love and with the hope you can stop the cycle of being so hard on yourself.