Thanks everyone for your best wishes and encouragement.  I'm back now and feel I did a good job of saying what I needed to say. 

There was a point at which they intentionally tried to trip me up. She put a hypothetical situation in front of me and asked what I thought of it.  It was similiar to my own situation but shed an unfavorable light. I told her it was not my own situation.  I said however that I felt the person in the situation she proposed would be wrong.  I was very clear about what the difference was between my own case and the situation she presented.  The scenario she raised implied cheating, manipulation and lack of ethics. I did my best to stay monotoned and not react defensively. Inwardly, it angered me that she was stooping to those kind of tactics. I felt she was testing me. I remembered that I didn't have to take it personally because I know who I am. Likely, it was her job to do this. It occurred to me that she might continue to try to find ways to wear me down until I said something I had not intended to say.  They were recording me.  I think I did pretty good at this point, to take my personal power back. I literally told her that she and I could go back and forth but things would not change insofar as what I had to say because what I had to say was simple, straightforward and honest and that would not change.  I addressed both people there when I said it. I had already told them my side of things but I repeated again my understanding and the action I had taken which had led me to be in court with them this morning.

While it was still my turn, I decided to let them know me more. I told them the last time I had been in court was for a divorce and that this was uncomfortable for me but I felt it was important to come here in person and meet with them.  I told them I could have handled it by phone but I wanted to come here to let you see who I am and speak to you in person and make eye contact with you because I have nothing to hide I'm being honest with you about how I understood things and there was no ill intent. I just made an honest mistake.  I said it was a lot of money and I felt it was important to come in person because of that as well. I said I'm really sorry this happened.  I gave them a little personal background of my current circumstances but told them I was not telling them those things as "an excuse." I said that what I had stated to be my understanding of how I was to handle things was truly what I had understood to be the right action and I told them due to the reduction in what they felt I owed and since due to that reduction in the amount I had not exceeded the "allowable" amount that I had understood, I felt I didn't owe them any money back.  That was likely the statement that took the most courage for me to say to them but I said it anyway.

She said it wasn't her decision to make, only to make recommendations and that I would know some weeks from now.  I thanked them both and left. 

It was hard but it could have been worse.  It may not turn out as well as I would like because they don't make emotional decisions but tonight before my head hits the pillow and I inventory my day, I think I'll be able to say I did a good job with self respect and acting respectfully toward those involved.  Now it's back staying present and hoping for the best.  If there another hurdle to cross later, I can put together a workable plan with the help of my higher power.  For now, I've worked hard all week and plan to enjoy my holiday weekend. :)  TT

Thanks so much, hotrod. 

Good jOB  TT

It sounds as if you were clear, honest and said what you needed without engaging.  Good use of your alanon tools.

You have taken the action now we will Trust HP.