Once again, thanks to all for your wonderful words of support and encouragement.

Martin: Thankfully I am not in debt but I think your advice is sound. One thing I learned about surviving through any crisis is the the "lighter" you are the more flexible you are. I plan to sell any and all needless junk to bring in some extra cash and looking for a part-time job is something I am looking into (I already work full-time). My heart goes out to the person who posted about his sister being $80K in debt. That is not a good position to be in. Hopefully she will get a lawyer to sue him for his share of the debt.