Months — years — of creditor phone calls are finally over, as of tonight.  Armed with a case number, I no longer have to fear picking up the phone when I don’t recognize the number.  The looming bugbear of garnishment has been defeated (in theory), and with responsible money management, maybe we can begin to make progress, instead of just making up lost ground.  I see a light in the distance that just might be hope.  Everyone tells me I’m doing the right thing, that things will turn around quickly.

So when do I start feeling relieved, rather than guilty?