Fedupinpa: Glad most of your stress left! I've got so much though (I'm a very stressful person) that I haven't noticed much of a difference. Mostly because even though I know I've gotten help and taken all the steps to get back on track, I keep worrying that they won't work or something will throw me off again!
Which I'm at a point again where I'm going nuts! I wanted to become a Debt Samaritan but I'm not up in posts yet before I encash my points (because of the doubly-ness of them). But I think I'm to the point where even my (if I remember correctly) about $12 will help as all of my late bills are coming due (with last notices of shutting off kind of things), all stuff that didn't get paid because the PDLs took my money.
So I need advice, to encash or not encash that is the question.