I'd contact those credit counseling service (pick one that is a .org they dont charge a fee) they can make arrangements with creditors for reduced payments. You might want to consider bankrupty but do it quickly because as of October 17th the rules change that dont allow debts to be erased (Chapter 7). On/after 17th only way to do it by Chapter 13 (repaying debts). Here's a good site for information that I found when I did a search to get the Chapter 7 and Chapter 13 information correct. Call around and get fee charges. Ones that do this type of work allot charge less for their services. http://www.totalbankruptcy.com/index.asp