first of all you are not an idiot!!!! and second of all, no one is ever prepared for this devastation.. <P>I would advise you to go to at least 2 or 3 free adivse, first time, attourney`s... I know this is so stressful, but in reality, if you find one who is most informative and the most important, you have to like them and get along with them, in order to make this work..<P>take a pad and pen with you and take notes.. very important.. and as for what questions to ask.. they ask you enough to start, that you`ll think of things to go along with what they ask, while your there.. it all falls into place, eventually.. IF!! he/she is good, and covers alot of ground in the frist meeting.. they will want to win you over, of course knowing they`ll be making money off of you.. but do your self favor and at least go to a second attourney to see what I`m talking about.. <P>It is all so over whelmimg, so it is good that you take a freind, to help remember it all... I did that too.. I am some times still in numbness, (thats what I call it) as to focusing on realtiy at times.. but it has been 16 mths for me, and paper work still pending, so you have plenty of time. there is not rush.. only they chose to rush, but don`t tehm bully you.. your attourney will handle everything once you find one and hire them.. I felt alot better after the fact, as well.. knowing I had some one to protect me from being robbed blind.. I had no idea what this was going to be like either.. so don`t put your self down agaim.. <P>they are the idiots!! not you!<BR>lots of luck to you....<P>AV