Hi Kathy,

Yes, you're in the right place.

Here you will find lots of people who can answer your questions about TOS. You will also find sage advice and empathetic support as you face your other issues.

Sadly, many fine folks here are in financial difficulties because of their health issues. They understand and will share their experiences dealing with social services, mortgage companies, etc... Most importantly, they will be able to reassure you that you are not losing your mind: you are just coping bravely with circumstances that anyone would find trying.

WELCOME TO NT!