It's such a sensitive topic! But Rivka, when your financial difficulties are due to illness...Maybe I'm being judge-y, but that's absolutely not the same as my friend who racked up credit card debt from buying clothes and beauty products and fun trips. I so respect your attitude about this, that you take care of your business and are honest about it, but I also believe that there are plenty of people out there who will completely understand that your situation is different. They will be understanding and caring of you. They will so appreciate you for how you handle these kind of difficulties.