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Well, it wasn't I who deleted my earlier post, but I can't say I'm surprised it's gone.
It's hard for me to respond back to you now because it looks as if your original post has been deleted - so now it is impossible for me to go back and re-read what you originally wrote.
It has been my observation that whenever anyone mentions taking responsibility and behaving honorably, they are immediately accused of being "judgmental."
I'll keep positive thoughts sent in your direction.
Thank you for the advice Carolyn.
Welcome to the board adamsmumma.
You might want to speak with a local Consumer Credit Counseling Agency and see if they can be of assistance.