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Thank you so much for your entire reply though I am excerpting just the above portion for emphasis. Following JAF's and others replies, I might end up having to go directly to a bankruptcy attorney, but I am going to get information from one of those NFCC places as well.

Lois Carmen D,

Please be aware that bankruptcy rules have changed and you are required to have at least one meeting with a rep from NFCC in your area to show that you need bankruptcy before you are allowed to file. Given your current situation, you will probably be advised by the person from the credit counseling organization to consult with a BK atty at your first consultation.

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