Thinking of you and prayed for you. When the alternative is bankruptcy creditors change their tune and are more accommodating. I have lived with this for years now. Although years of large Debt is debilitating, some will wait and put off action for six months. That is what ihave found. I am bankrupt but cannot affordtogo bankrupt and have to wait for a creditor to make me bankrupt or get a charitable grant. I have been waiting now for four moths and cannot pay any of my debts. No money for even one Xmas present or food. Awful. So I hope your cold gets better soon. You will survive this. If I can sowill you!
