[Eye of Unk]

I just spent 15 minutes posting a reply about what I may have to do myself but I felt it would be too depressing and would paint myself as someone looking for sympathy.

Every agency wants its revenue, and they are coming, if you are behind they will find a way to strip you of everything, even if the net income is minimal.

The tax man cometh, and they are hiring.

[Lazamataz]

I just spent 15 minutes posting a reply about what I may have to do myself but I felt it would be too depressing and would paint myself as someone looking for sympathy.

Dude, go ahead. You disclaimed, above -- so post.

It might be therapeutic for you and instructive for us.