Well. now I am being sued by a creditor. So much for working out payments.

And I just got formal notice of foreclosure unless I can get even by early July. So much for negotiating an extended time to pay, temporary payment hiatus, or lower payment or interest rate.

Okay, that's their move. Now I have to consider mine.

I guess I shoud talk to a bankruptcy lawyer to see what options are available, and what happens if I just let everything go without any legal response.

I'm shaking off the negatives, but it is getting harder to do and I'm having to do it more often. Maybe I'll go see a counselor, too, for some ideas about how to handle, or let go, the stress, worry, anger, shame, etc.

It is just business, I guess.

Thanks for your encouraging words.