It sounds like you have done a lot of good work. I'm so sorry that the economy has impacted you so heavily, even leading to the loss of your job and additional financial burdens. I know that finances are not always easy, even when you do all the right stuff. When things crash financially, it does take time and more work to get back on your feet. It's no wonder you are on shakey ground. Can you tell me what the fear is? Is it fear that you will not be able to provide for yourself? Fear of loss of control? or some other fear? Perhaps we can talk about where the fear stems from internally (now that I know the external situation) and see if we can process some of it or something. Because if you can re-establish some more confidence, it will make it easier to work toward a solution (maybe not the ideal solution, but a solution none-the-less)....