Advice?

Hello, my name is Stephanie, and my husband and I are victims (if you can call it that) of the Hess Kennedy fiasco. (I posted as StephanieS below, and then created an account)

About two years ago, my husband (fiance at the time) entered into a debt settlement program with Hess Kennedy. We were only 12 months away from completing the program when they closed their doors. We have to wait until at least april to get our money back, if we even get it all.

We have additional debt in my name, which wasn't included at the time because I had good credit. We bought a house last may, and got married in Sept of 07.

We were handling our current debt pretty well, until I lost my job, and subsequently had to deal with my husbands old creditors.

As of right now, my credit isn't the best, but our mortgage and most of our bills are paid on time every month. But now we have this additional debt that won't go away.

I am considering debt consolidation or debt settlement to help us get on top and try to pay it all off, but it seems impossible, and I am very leery of being burned again.

I'm not sure if consolidation or settlement is the answer, but I don't want to lose our house and I don't want to be in this position forever.