<<I really appreciate your support and encouragement. Sometimes life as it is does not seem worth it at all.>>~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~Sue,This too shall pass...You are on the right track. Don't get discouraged. We are dealing with $40K in cc and unsecured debt and cash flow is our enemy. I was discouraged as well. Cash flow continues to be a problem and the months keep ticking by. One day I know we will have this monster licked. I don't want you to think that CCCS will be able to help reduce your monthly outgo. Given your current situation, they may suggest to you to see an attorney. You may have to face the fact that Bankruptcy may be your only path. People have survived your current situation and you will too. Be strong, courageous and act...You have taken the first step. Now go seek help. Keep coming back here, it makes for cheap therapy. These guys can be brutally honest sometimes, but the advice is usually good. Good luck and keep us updated. Will
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