Sophie, Lawyers in my area do take credit cards and also will set up a payment plan w/the understanding the final payment is made once the divorce is final. My xh had a plan that covered everything for one lump sum....not a bright man when it came to this one.
As for the counselor...ditch the person. If the counselor isn't solution based, understanding mlc, identity crisis and/or depression, they aren't going to be worth their weight in gold. It sounds like the counselor was there for you to help you accept what your h wanted. That's not the way it should be working. Ditch the person and find a solution based one.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.
