Thanks again everyone for all your support. I have been so upset over this mess that I told our son about what was going on. He contacted a friend of his who is a bankcrupcty, debt negotiations attorney and after talking with all of us has agreed to help us. Our son is going to loan us the money for settlements. The way this attorney does it is you put 60% of the debts in an escrow type account he then arranges to settle the debts for as little as possible If he gets them to settle for 40% then the other 20% is his fee. He says he doesn't say anything about you are considering bankrupcty as his letter head has his name and that his area of expertise is bankrupcty so they pretty much assume if they do not settle that is your next step. The creditors also do not get a dime until it is taken off your credit report and of course we will get documentation of everything. We have an appointment next week with another attorney he recommended to see if we have any way to sue my husband's former employeer who caused all this mess. gigi
