My dh was handling the bills until I took over last week. I found out he hasn't been paying my CCs because utility bills came first. I now have dunning letters for 3 accounts. Two of these accounts are over limit, mostly due to late fees & interest piling up. I got a letter from MBNA last week telling me I have until Monday (6/28) to pay $680 and if I can't, call to make alternate arrangements. My dh's former boss owes us about $10K and promised it to us by the end of the month, but it looks like that won't happen. What alternate arrangements can I make? I can only come up with about $100. And I owe them $360 on my other account.