HLS Excellent article, I will save that for appropriate clients. I agree that people who have made bad decisions must feel the pain of their consequences to ever make a change in future behavior. It just helps me as the therapist to have a real sense of the client’s potential consequence so I can work with them in a more helpful manner. Certainly I can imagine that some people who are facing foreclosure might be fearful that they and their families will be living on the streets or will have to live in a high crime area. It’s good for me to know how much merit is in their anxiety. I think it will be interesting to see what the “foreclosure” mark on a persons credit means after so many people foreclose in the coming months/years.