I had borrowed money from my 403(b) too, and then had to pay a nice tax penalty on it. That stunk.

About 10 years ago, I had "settled" with Discover Card (hate that company, and never got another one of those cards), and when you settle for over a certain amount, you have to claim it as income on taxes the next year. Be careful of that, if they still do that.

Bills just seem to pile up. I wish I had three jobs, cause I could put all money that comes in towards utilities etc. I even tried to trade my car back in to get an older one with a lower payment, but my car isn't worth what the balance of the loan is (like, $7000 less...), so no matter what I'd get, even a Yugo, I'd still have a big monthly payment. Sigh.

I hope you can find something to make things easier financially.