1.   Laurie said she considered credit counseling but decided to file bankruptcy instead because she could start living a debt-free life within months.

2.   Parents should consider counseling if children are having trouble adjusting, she said.

3.   Professional counseling will be considered only after her medical condition improves further.

4.   Yet both wives instantly fly in high dudgeon and, without even considering marriage counseling, march directly to offices of divorce lawyers.

5.   Under the proposal, the state would require lenders to inform borrowers in writing to consider financial counseling and to shop around.