Didn't see this at the first time of posting but if you're still in a hole see the C.A.B. as suggested by Richard. A couple of years ago I had a young guy in my department whose parents died, one very soon after the other. He had never had to handle bills and such and quickly got himself in a lot of debt, even though he still had an income. He strated drinking excessively (and I suspect abusing other substances), which obviously accelerated the problem. I spoke to our personnel people, who suggested the C.A.B. He made contact and very quickly had his various problems under control.

wr