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My hearing was on 4/21 and I got an email stating that I am discharged as of 5/21!!! I'm so excited that this burden has been lifted! I applied and was approved for a Credit One card for 300.00 though I included them in my filing. I also was approved for a store card at The Children's Place which is going to come in handy for my son's school uniforms. I've used it twice and paid it immediately. I have a lot more research to do on what my next steps should be but I'm going to take my time and do things right. I'm so grateful to you all for offering advise and sharing your experiences. After being given this second chance I feel like I can move forward with improving other areas of my life...is that weird?!?!