wingin it has some valid points.
I would consolidate your dept if you have not done this already. get rid of the credit cards for a while cut them up or freeze them in a big block of ice tat works because by the time it thaws out the sale is long gone. Banks are willing to help if you have your credit cards with them as they want their money. You can contact anyone you owe money to and make arrangements to pay back money on a budget plan and as long as you stick to the minimum arranged payment each and every month they will keep you on that plan until you are payed up. They all want their money and hope you don't go bankruptcy. Then again bankruptcy is a long term change it is meant to give a person a better way out of a bad situation. I know a guy that just went through bankruptcy and wished he had done it a long time ago. His health has improved and any thing he owned out right he kept. He tried other ways as you are doing right now he sold everything including some of his kids stuff. They hated him for that the stress was out of this world, but with the bankruptcy no stress he just had to watch what he spent and keep records of everything they teach you how to live on a budget. There is always things you can do to reduce the stress. I would step back and go have a talk with someone about dept consolidating and if that is not for you talk to price water house. Which is what you would have to do if you were do not going to dept consolidate anyways.

Bill