I am new to this board. I am fairly new to this whole subject. I have been doing some research online though. I started out thinking we would have to file bankruptcy. We have had a combination of difficulties contributing to our circumstances. My husband had an emotional breakdown and had to stop traveling (an integral part of his job and our income) and he took the only job he could find locally which about halved our previous income. During that time we had to use credit cards, cash advances to pay bills, buy groceries etc, to top off some depression spending as well while he healed. We used cash advances to help pay off the negative equity in a car loan so we could sell the vehicle and get rid of the $400/mo payment. We had previously refinanced our house and taken out a second at 125% LTV. We had paid off credit cards with that. Therefore we had a bunch of accounts which were open for use during that time. His prior company kept asking him to come back and he finally did after he felt he could travel again for a while. When he first started back it took a month before he received any commission (which is half our pay). It seemed we would be on our way to healing but even with full commission we couldn't make all our payments. We started selling things on e-bay and other forums. This helped us keep up for a while. Now because of the Sept 11 even and the down turn in the economy they have not had much work to send him out on and commissions are way down. I have been able to pay for the mortgage and the second as well as utilities. But I can't touch any of the credit cards. So, our house is mortgaged beyond it's value, our cars are old though we do own them outright(1975 truck, 1976 car and 1965 car) and we don't have much else in the way of assets (certainly nothing the used items markets would bring much from). We have no retirement or savings or investments. In my research I found the Due Process site as well as discovered you could negotiate with creditors but that the companies who offer this service charge way high fees. The one I have recently looked into the most lately seems to be the best (myvesta.org, comprehensive bankruptcy alternative). I just don't know how to pay for this ($2,900 up front). This is a good deal considering our unsecured credit card debt is over $88,000 (spread out between 11 different accounts, the highest balance of which is $17,500 and the lowest is $500). The mortgage is at $137,800. and the second is at $34,700. Do you think I should somehow have a company handle this (I haven't a clue as to how I could pay them). Or do you think this is something I could negotiate? Should I send them letters? What kind of letters? They have been calling me and at first I was setting up post dated checks as they requested but now there just is no way to do that or we will fall behind in our mortgage etc. So, I have not been answering the phone unless I recognize the phone number on the caller ID. I just don't really know what to do. I appreciate any help or information I can get.