Okay, today is a learning experience for me. I am 44 years old and am filing for BK with my husband. We have been married since 1992 and have never had any financial difficulties. However, three years ago, I became ill. I was constantly sick, even losing my voice for three months. (This was a joy to my family, as I am a yeller!)

The attorney we chose is the only one in our county. It seems the county we live in doesn't handle BK cases so all are sent to Pima County, AZ. Nice. We'll have to do our hearings in Tucson. But I digress. Fortunately for us, the attorney is a really nice guy and is almost holding out hands today. I was nervous and dropping things left, right and center.

At the end of the meeting with him, writing his check, turning over the paperwork, I was telling him about a company that keeps going after us for fraudulent bills. Apparently, when we lived in Ohio for six years, we managed to run up nearly $4000 in phone bills and didn't pay them. Really? How is it we were able to have a phone for six years?

I suppose that's it for now. Will keep you posted.