Some bills that couldnt be filed in bankruptcy

Well, I understand about defeat. However, sometimes it is the hand we are dealt at the time. You made a good choice by registering on here as a member. As a member, you are entitled to a free phone call from a debt counselor and you can discuss your questions and concerns with them. You can post questions and answers on here until then if you like. Would you like to offer a little more info about your situation? Like are you or your spouse employed?

yes my husband and i are both working... he works full time and i would i guess part time but i work 7 days a week...

Welcome to the Community :D You can discuss options like consolidation when you talk with the debt counselor. Also there is a Do it Yourself section, under "Our Servies" you may want to check out. Have you talked with your creditors? Sometimes they will drop interest and fees if you commit to a payment for a year. But you have to keep up with the payment, or they will drop you from that. Feel free to ask questions, we are here to help and guide you through the process of becoming debt free!!..Karen