Thank you everyone who replied. There's so much information to sort through on the net that after awhile, I become completely lost. Sites contradict each other and it ends up just a big white page with a TON of black letters on it, most of which I couldn't even pronounce.

Anyway, some very very good information here. I am trying to consider all options, before this. Hubby keeps saying "It will get better. Don't worry" but I think that's because he doesn't know what else to do , either. I keep thinking maybe if we just hold on a little longer..just a little more time and this thing will blow over and we can get back to living our lives.

I DO want to repay everyone I owe, it's just that when you are at the bottom of this black hole, the only way out you can see is to jump straight up. You don't see all the little holes at the bottom that also lead out and would be a lot less difficult.

Ok, enough with the metaphors. I am not even awake yet, which is probably why I am thinking like this..LOL. Trying to keep my thoughts light and on top of everything, everyone in my house is sick. Some kind of monster cold/flu/crud bug. It won't go away either. I have to get control over this situation before it completely goes out of my hands. Thank God the season is coming soon and everyone will be closed so we can at least enjoy our family without the phone calls from collectors.

I hope everyone has a very happy and safe Christmas.