I spent the morning meeting with a financial counselor. That was a huge step for me! I think, out of the entire session, one of the toughest things we had to do was review bankruptcy laws. I feel relieved, though. For what is probably the first time, I'm finally being honest with myself about my financial situation. If you asked me to sit through a meeting like that a couple of months ago I wouldn't have been able to do it. I would've said that everything was fine and it wasn't necessary. I would've said my situation isn't as bad as it looks and that I'm going to keep doing exactly what I've been doing. I think what helped was going to the debtors anonymous meetings. At first, I thought it was just a credit card problem but, fortunately, I've been able to see that my issues went so much deeper than that. Up until those meetings, I really hadn't addressed the personal problems I'd been experiencing. I can see how it all works together now. In another week, I'll meet with the counselor and review the bankruptcy laws again along with the progress I've made in all the other areas of my life. I don't know if I definitely need to file for bankruptcy, but I'm glad I'm not afraid to talk about it. It seems like I'm not afraid to face anything now. It's a nice feeling!