Melissa,   What I think Wendi is saying in the last part of her post
                   is have much money saved up, get a sugar daddy, or
                   have a damn good line of credit with your banker, before
                   you go independent, because NO ONE ELSE will pay
                   those expense for you, and as you see on here, you may
                   as well as no count on seeing any funds coming in for
                   30-45 day.   (Maybe you also will want to have your
                   pantry and freezer full before " going independent".

Good luck and we'll look for your post here in the future as soon
as you join all us wealthy independents, who are owed bundles
from bankrupt and unsavory clients.

George