Thanks Monicau for your post! I have a couple crucial times in my life where I wish that I could go back and change the decisions I made. A big one is not having children with my Husband. He had 1 daughter and I had 2 daughters. He wanted a child together but I didn’t. It is something I’ve always regretted. But we can’t change the past! Even though there is a lot of dysfunction in My family, I love them. Especially My girls and Grandbabies. My birthday was spent resting. For some reason, I’m feeling worse today. My girls both gave me birthday wishes. Monicau, thanks for being positive about my creditors. Right now, there are 2 that aren’t willing to work with me. I don’t know if I can fulfill their demands. I can only do what I can do. I really think this was a great lesson for me. I don’t want to be in this position again.