My husband and I have a lot of credit card debt. Some of it due to his cancer diagnosis, surgery, subsequent chemo and radiation treatments for the past two and one-half years and frequent doctor visits. Also because of paying utilities not only for our household but also for our sons' household of which we still own the home they are residing in which is a mistake as we well know now. We are retired and in a constant state of worry over not having a cash flow for emergencies. Also the stress of my husband's chronic illness is bearing upon us. We live in Kanawha County, West Virginia.