me and my debt problem. I was foolish and ran up over $35,000 debt on four different cards at internet casinos. I have tried to dispute these debts with two of the cards, FUSA and FleetBank. I sent them a letter stating that these debts were uncollectible and referenced the RICO act and Missouri state statutes which say that gambling on the internet is illegal in Missouri and illegal gambling debts are uncollectable (the credit card company being a stake holder in the financial transaction). They, of course, have disagreed with this and said it is a credit card debt, not a gambling debt. I am aware that there have been court cases concerning this in the last four years. I hired Lexington to dispute the late charges which have been piling up on my credit reports (120 days late on both cards). I can't afford to make the minimum payments on all four cards. I am current on my Sears Gold Mastercard and my Citibank cards, although both are almost maxed out. To top things off, my husband is thinking of leaving me. We own a house with some equity but not that much. It is owned jointly and Missouri is a "joint tenancy of the entirety state". The only account that is joint is the Fleet account ($8300). I am seeing a counselor and have no intention of repeating this mistake, but is there any hope, financially, for me? Do you think Lexington can help? Sorry for the length of the post.