I have to chime in as I was there about a year ago. I too admit it was my own fault. I was close to filing for bankruptcy. What I did instead was something that is basically a restructuring plan. Don't know if they have them up there. It took all of my credit, talked to the creditors, took the payments and interest to the lowest the creditors would accept. If left on my own it would have taken me close to 20 years to pay everything off and that is only if I didn't add anything else. (yeah right!) With the plan I will be paid off in a little over 3 years and save a ton on the interest. I kept my car and everything. Like I said I don't know your complete circumstances but it might be something to look into...and feel free to rant all you want. PTers make really good listeners....just make sure to take a few minutes to yourself. Don't let it get you down, there is light at the end of the tunnel, it's just a little dim right now but it will get brighter! PM me if you want to talk.....

*****HUGS******
Trinity