[IluvLucy]

Have you considered consumer credit counseling service? It's non-profit and they work out payment arrangements with all your creditors to give you a chance to get everything caught up. You can find them on the internet.

I know couple who used this service and they were on their feet in 18 months. I'm not trying to tell you what to do or anything, I'm just sitting here wracking my brain to think of something that will help you guys out.

I'll be praying for you........