you are not alone...believe me. but you've taken the first step. YOu might do a loan consolidation but that will only help if you stop spending. Forthe record, the emergency vet encouraged us to spend a 1000 on a cat when they knew darned well it was in misery and needed to be put down. Some of them aren't ethical. but I know someone who just spent 10,000 on her dogs vet bills. You are on our way to move forward in your life. who need Marty anyway?