If I were you I would file chap 7 and callit a day. At this point your credit is in the toilet and you are strectching yourself thin trying to apy these cards back. You need to save that money you are putting out to them and put it inthe bank and build yourself a nest egg. I too have gotten myself in horrible debt from a messy divorce nd no child support payments for over a year. I was like you trying to keep my head above water and i just got tired of treading water. My kids come first and keeping my home was the most important thing to me. These big credit card companies have more money than i do and I paid them on time until i couldnt. Thats why bankruptcy laws are in place. I agaonized over it but I bit the bullet and filed. I dont have to dodge phone calls anymore, i have money in the bank and I can have money left over from a hard earned paycheck. I have learned form this expereince, that if I can't lay it away or pay cash ... I don't need it. File chap 7 honey and live in peace.
