need help!!!

Call the card companies and tell them your situation and ask if they can set up an affordable plan. They may be willing to settle rather than risk you filing chapter 7. If they should sue you the courts will make them set up a plan in most states anyway!
If you become a member here you are entitled to free professional consultation. I would highly recommend it!

I am sorry to hear about your hardship cassidy.

It sounds like you are obviously overextended and thus a debt settlement program might be your best option.
It is a hardship program for consumers that are having financial difficulties. Debt settlement is an aggressive program and best for consumers that don't qualify for debt management, can't continue paying minimum payments, can't borrow to pay off debts and don't want to file bankruptcy. Simply explained, the Settlement Company will work with you to establish a savings program that will be used to pay off your debts over a period of two to three years. You will have one monthly payment and the amount you will pay back is typically between 40% and 50% of the amount owed when you joined the program. This of a great option if you are overextended and your bills are about to start falling behind or already behind. This program does hurt your fico score because the accounts will have to be delinquent to get the creditors to settle for less. However if you are a good candidate for this type of program your accounts are already or about to be delinquent anyways.This will get you out of debt very fast and once completed it will put you in a prime position to reestablish your credit. Most importantly will keep you from having to file bankruptcy.

I suggest when shopping around with different company's and programs to please be sure to look them up with the BBB to make sure they have a good track record. Also be sure they are members of TASC or USOBA. This site offers free counseling if you want to explore your options. The # 800-601-1579.
:D Hang in there and have a great day

Welcome, Cassidy!

You should contact your mortgage company regarding a hardship program. I was able to get my monthly mortgage payment reduced by $600 for a period of three years. You will probably need to be persistent though. The mortgage companies are so buried in hardships and foreclosures right now that it usually takes them awhile to respond.

Also, as Frogpatch said, you should contact your credit card companies. Since you are only 30 days behind, they may not be willing to settle for a lesser amount yet. But they all have hardship programs also that you may be able to qualify for, and that would reduce your interest rates, waive late fees, and give you a smaller monthly payment.

If you are unable to afford even the reduced payments, then you can continue to just not pay the credit cards (although you really need to try to get your mortgage caught up). After you haven't paid for several months, the credit card companies may be willing to settle for a lesser lump sum amount, or they may turn your account over to a collection agency, or they may sue you (we have one that is already threatening to sue us, and it's only 60 days past due!).

Also, as Frogpatch says, if you become a member here, you are entitled to a free consultation.