Yeah, 25, I give MrBond credit for making good points, too. Sometimes, I think he keeps a stack of 2x4's in his truck. smile
Personally, I think rysmom, you should call your H, and ask to meet with him to discuss things. Filing is a choice, doing nothing is a choice, heck there may be other choices you haven't even looked at. I know you are scared, and I know you have several times said you were going to file after getting upset. I can't tell you which of those choices is best for you. However, I do believe you should talk to your H.

vc crazy