It is getting impossible for me to pay my debts

Rest easy Joseph...I too find myself in the same predicament as you...Only hopefully for your sake you have a little more time than a month and a half before the baby comes...What kind of debt do you have?

Welcome to the Community :D When I came on the Forums, I felt the same way as you,it has taken time, but,I am slowly getting my debt paid off. If you signed up for the free credit counseling, someone will contact you and discuss options, you may have, such as consolidation. In consolidation, you can put all your unsecured debt into one monthly payment with lower interest,there is also setllement,etc. There is a do it yourself section, under "our services, to the side of your screen that will give you some info. If you have questions, ask-we are here to help and guide you through the process of becoming debt free!!..KAren