Ok. I thought I had this under control but we just got the letters in the mail telling us when the meeting with creditors is, and I fell apart. I started crying and just couldn't stop. I just wish there was something we could have done. But honestly, the creditors weren't going to "work with us" forever, and we didn't see any change in the foreseeable future. I don't know if it's because I worked so hard at keeping the bills and money that it just feels like I failed, or what but this is awful. Everyone keeps telling me to think of it as a fresh start but all I can think about is how I let everyone down.