Do you know the title of this book?

The girl's name was Jenna. She thought her life a little too overwhelming so she was told to bag up all her troubles by some guy (I can't remember who he was in this story) and to come with him. She does, and he takes her to this dump sort of place where there are tons of bags all over the place. He tells her to find a bag that seems better for her, so she searches all over the place and finally comes back to her own bag and takes it home because she knows that she can handle the troubles in it. It is based on an old folktale and has been retold over and over, so there are many versions of it. But the one I am looking for has the "troubles" depicted as little devilish pencils and other little monsters chewing on her rug and climbing her walls and such. The girl has black hair that seems to stick straight out behind her, and the guy that takes her to the dump is dressed in black, has white hair, and grayish skin. I loved this book as a child and I have searched all over for it. I can't seem to even find the title. Please help!!!