I am beginning to feel a little hope for my friend, who I met when I was in college, and who has been wrestling with some financial issues.  She has been spending money with no regard for how she was going to meet her day-to-day obligations.  She has gotten so far in debt, I don’t see how she will ever get out.  She spends any money she gets her hands on, and does not think about the consequences.  She loves nice clothes, and she loves to go out on the weekends.  She loves her shoes and accessories too.  But since she has gotten to the point where she can’t pay her car payment, she had contacted an attorney and is talking about filing Chapter 7.   She also contacted someone who she says was recommended to her, who will help her sort out why she feels she needs to spend and spend some more, until she is just completely flat broke.  I hope she will follow though with the counseling.  I think the counseling is the reason why she finally called the attorney to get help straightening out her finances.  We are all optimistic about her getting on the right track.